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AI brief of an SEC Form 8-K · OptimumBank Holdings, Inc. (OPHC)

OptimumBank Holdings Q2 net income rises to $6.7 million, $0.28 diluted EPS

Positive Impact 3 of 5 earnings Written later

OptimumBank Holdings reported unaudited second-quarter 2026 net income of $6.7 million, or $0.28 per diluted share, up from $4.7 million and $0.20 per diluted share in the first quarter of 2026 and $3.6 million and $0.15 a year earlier. Gross loans rose $126.2 million to $1.2 billion and total deposits rose $121.2 million to $1.2 billion during the quarter, with net interest margin at 4.57%. The company will discuss the results on a webcast on August 13, 2026.

Key points

  • Net income of $6.7 million in Q2 2026, compared with $4.7 million in Q1 2026 and $3.6 million in Q2 2025
  • Diluted EPS of $0.28, compared with $0.20 in Q1 2026 and $0.15 in Q2 2025
  • Net interest margin of 4.57%, up 8 basis points from 4.49% in Q1 2026
  • Webcast to discuss results scheduled for August 13, 2026, at 1:00pm ET

The filing

CompanyOptimumBank Holdings, Inc. (OPHC)
Form8-K, current report
Filed with the SECJul 24, 2026, 8:00 AM ET
Accession number0001493152-26-034476

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:36 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 24, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.