OptimumBank Holdings (OPHC) issues press release to clarify Q2 2025 webcast remark

Rhea-AI Filing Summary

OptimumBank Holdings, Inc. filed a current report to note that it issued a press release on August 12, 2025 to clarify a comment made during its second quarter 2025 earnings webcast held on August 7, 2025. The filing states that both the press release and a transcript of the webcast are provided as Exhibit 99.1. The company also explains that this information is being furnished rather than filed, which limits how it is treated for certain securities law liability and incorporation-by-reference purposes.

8-K Event Classification

2 items: 8.01, 9.01

2 items

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported) August 12, 2025

OPTIMUMBANK HOLDINGS, INC.

(Exact name of registrant as specified in its charter)

Florida		001-42447		55-0865043
(State or other jurisdiction of incorporation)		(Commission file number)		(IRS employer identification no.)

2929 East Commercial Boulevard
Ft. Lauderdale, Florida				33308
(Address of principal executive offices)				(Zip Code)

(954) 776-2332

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities Registered pursuant to Section 12(b) of the Act:  

Title of each class registered		Trading Symbol(s)		Name of exchange on which registered
Common Stock		OPHC		NYSE American

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1933 (§240.12b-2 of this chapter)

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 8.01. Other Events.

On August 12, 2025, OptimumBank Holdings, Inc. issued a press release clarifying a comment made during the company’s second quarter 2025 earnings webcast on August 7, 2025. A copy of the press release and a transcript of the webcast are attached as Exhibit 99.1

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

Exhibit Number		Exhibit Name		Filed Herewith
99.1		Press release dated August 12, 2025		*
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)		*

The information in this report (including the exhibits) shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

OPTIMUMBANK HOLDINGS, INC.
Date:	August 12, 2025
By:	/s/ Moishe Gubin
	Moishe Gubin
	Chairman of the Board of Directors

FAQ

What did OptimumBank Holdings (OPHC) disclose in this 8-K filing?

OptimumBank Holdings, Inc. disclosed that on August 12, 2025 it issued a press release clarifying a comment made during its second quarter 2025 earnings webcast held on August 7, 2025, and furnished that press release and the webcast transcript as Exhibit 99.1.

Why did OptimumBank Holdings (OPHC) issue a press release on August 12, 2025?

The company issued a press release on August 12, 2025 to clarify a comment made during its second quarter 2025 earnings webcast on August 7, 2025, and then furnished that release in this report.

Which exhibits are included with this OptimumBank (OPHC) 8-K?

The 8-K includes Exhibit 99.1, described as a press release dated August 12, 2025, and Exhibit 104, a Cover Page Interactive Data File embedded within the Inline XBRL document.

Does this OptimumBank (OPHC) 8-K treat the press release as filed or furnished?

The report states that the information in it, including the exhibits, is being furnished and not deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, and will not be incorporated by reference into other filings unless specifically referenced.

What event date is reported in this OptimumBank (OPHC) 8-K?

The report lists August 12, 2025 as the date of the report and describes an event on that date, when the company issued a press release clarifying a prior earnings webcast comment.

Who signed this OptimumBank Holdings (OPHC) 8-K?

The report was signed on behalf of OptimumBank Holdings, Inc. by Moishe Gubin, identified as Chairman of the Board of Directors.