OptimumBank Holdings (NYSE: OPHC) furnishes 2025 unaudited results press release

Rhea-AI Filing Summary

OptimumBank Holdings, Inc. filed a Form 8-K to furnish a press release describing its unaudited results of operations and financial condition for, and at the end of, the year ended December 31, 2025. The press release is provided as Exhibit 99.1 and is treated as furnished, not filed, meaning it is not subject to Section 18 liability and is not automatically incorporated into other securities filings unless specifically referenced.

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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) February 2, 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 February 2, 2026, OptimumBank Holdings, Inc. issued a press release describing 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		Press release dated February 2, 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:	February 2, 2026
By:	/s/ Moishe Gubin
	Moishe Gubin
	Chairman of the Board of Directors

FAQ

What did OptimumBank Holdings (OPHC) announce in its February 2, 2026 Form 8-K?

OptimumBank Holdings filed a Form 8-K to furnish a press release describing its unaudited results of operations and financial condition for the year ended December 31, 2025. The detailed financial information itself appears in the attached press release, not within the body of the Form 8-K.

Which period do OptimumBank Holdings (OPHC) unaudited results in the press release cover?

The unaudited results described in the OptimumBank Holdings press release relate to performance for, and the financial condition at the end of, the year ended December 31, 2025. This period is clearly identified as the reporting timeframe referenced in the Form 8-K’s Items 2.02 and 7.01.

How does OptimumBank Holdings (OPHC) classify the information in this Form 8-K?

OptimumBank Holdings states that the information in this report, including the exhibits, is deemed furnished rather than filed. As a result, it is not subject to Section 18 liability of the Exchange Act and is not incorporated into other filings unless expressly referenced.

Where can investors find the detailed 2025 financial results for OptimumBank Holdings (OPHC)?

Investors can find the detailed unaudited 2025 financial results in the press release attached as Exhibit 99.1 to the Form 8-K. The main form briefly describes the disclosure, while the exhibit contains the full operational and financial condition discussion.

What exhibits did OptimumBank Holdings (OPHC) include with this Form 8-K?

The filing includes a press release dated February 2, 2026 as Exhibit 99.1 and a Cover Page Interactive Data File as Exhibit 104. These exhibits provide the substantive financial information and required structured data associated with the Form 8-K.