OptimumBank (NYSE: OPHC) furnishes 2025 unaudited results presentation

Rhea-AI Filing Summary

OptimumBank Holdings, Inc. filed a current report to note that it released a presentation describing aspects of its unaudited results of operations and financial condition for, and at the end of, the year ended December 31, 2025. The presentation, dated January 20, 2026, is furnished as an exhibit under items covering results of operations and Regulation FD disclosure.

The company states that this information, including the exhibits, is being furnished rather than filed, which means it is not subject to certain Exchange Act liabilities and will only be incorporated into other filings if specifically referenced.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

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) January 20, 2026

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		33308
Ft. Lauderdale, Florida		(Zip Code)
(Address of principal executive offices)

(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 2.02. Results of Operations and Financial Condition.

Item 7.01 Regulation FD Disclosure.

On January 20, 2026, OptimumBank Holdings, Inc. released a presentation describing aspects of its unaudited results of operations and financial condition for, and at the end of, the year ended December 31, 2025.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

Exhibit Number		Exhibit Name		Filed Herewith
99.1		Presentation for the period ended December 31, 2025, released on January 20, 2026		*
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:	January 20, 2026
By:	/s/ Moishe Gubin
	Moishe Gubin
	Chairman of the Board of Directors

FAQ

What did OptimumBank Holdings, Inc. (OPHC) disclose in this 8-K?

The company disclosed that it released a presentation describing aspects of its unaudited results of operations and financial condition for, and at the end of, the year ended December 31, 2025, and furnished that presentation as an exhibit.

Which period does OptimumBank’s new presentation cover?

The presentation covers aspects of OptimumBank’s unaudited results of operations and financial condition for, and at the end of, the year ended December 31, 2025.

When was the OptimumBank (OPHC) presentation released?

OptimumBank released the presentation on January 20, 2026, and referenced it in this current report on the same date.

Under which items is the OptimumBank presentation furnished?

The presentation is furnished under Item 2.02, Results of Operations and Financial Condition, and Item 7.01, Regulation FD Disclosure.

Is the OptimumBank 2025 results presentation considered filed with the SEC?

No. The company states that the information in this report, including the exhibits, is furnished and shall not be deemed filed for purposes of Section 18 of the Exchange Act or otherwise subject to that section’s liability.

What exhibit did OptimumBank attach related to its 2025 results?

OptimumBank attached Exhibit 99.1, described as a presentation for the period ended December 31, 2025, released on January 20, 2026.

Who signed the OptimumBank (OPHC) 8-K concerning the 2025 presentation?

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