OptimumBank (OPHC) PEO Timothy Terry sells 39,304 common shares at $4.73

Rhea-AI Filing Summary

OptimumBank Holdings, Inc. reported that its Principal Executive Officer, Timothy Terry, sold 39,304 shares of common stock on February 2, 2026 at a price of $4.73 per share, in a disposition coded as a sale.

Following this transaction, the filing states that Terry directly owns 0 shares of OptimumBank common stock. No derivative securities transactions were reported in this filing.

Insights

Corporate governance analyst

OptimumBank’s PEO reports a full sale of directly held shares.

The Principal Executive Officer of OptimumBank Holdings, Inc., Timothy Terry, reported selling 39,304 shares of common stock at $4.73 per share on February 2, 2026, classified with transaction code S, which denotes an open market or private sale.

After this transaction, the filing shows 0 shares of common stock beneficially owned directly by Terry, and no derivative securities are listed. The economic significance of this sale for the company’s overall capitalization is not indicated in the provided data, so the broader impact depends on factors outside this report.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Terry Timothy

(Last) (First) (Middle)

2929 E. COMMERCIAL BLVD

(Street)

FORT LAUDERDALE FL 33308

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
OptimumBank Holdings, Inc. [ OPHC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	PEO

3. Date of Earliest Transaction (Month/Day/Year)
02/02/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	02/02/2026		S		39,304	D	$4.73	0	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Timothy Terry	02/04/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did OptimumBank (OPHC) report for Timothy Terry?

OptimumBank reported that Principal Executive Officer Timothy Terry sold 39,304 shares of common stock. The sale occurred on February 2, 2026, at a price of $4.73 per share, and was coded as an open market or private sale (code S).

How many OptimumBank (OPHC) shares did the PEO sell and at what price?

The Principal Executive Officer sold 39,304 shares of OptimumBank common stock at $4.73 per share. This non-derivative transaction is reported as a sale in Table I of the filing and reflects a complete disposition of the reported shares.

How many OptimumBank (OPHC) shares does Timothy Terry own after this Form 4?

After the reported transaction, the Form 4 shows that Timothy Terry beneficially owns 0 shares of OptimumBank common stock directly. The table lists zero shares in the “beneficially owned following reported transaction(s)” column for his non-derivative holdings.

What role does Timothy Terry hold at OptimumBank (OPHC) in this Form 4?

In the Form 4, Timothy Terry is identified as an officer of OptimumBank Holdings, Inc., with the specific title of Principal Executive Officer (PEO). He is not flagged in this filing as a director or 10% beneficial owner.

Were any derivative securities reported for OptimumBank (OPHC) in this Form 4?

No derivative securities were reported. The section for derivative securities lists no acquired or disposed instruments, and no options, warrants, or convertible securities are shown for Timothy Terry in connection with this specific filing.

Was Timothy Terry’s OptimumBank (OPHC) share sale a direct or indirect holding?

The Form 4 classifies the 39,304-share sale as direct ownership, marked with ownership code “D.” The nature of indirect beneficial ownership column is blank, indicating the reported transaction relates to directly held common stock.