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BCS

Current Report · Items 2.02, 7.01, 9.01 · 8-K

OptimumBank Holdings, Inc.

OPHCNYSE_AMERICANEQUITYCurrent

Results of Operations and Financial Condition · Regulation FD Disclosure

Item 7.01 Regulation FD Disclosure. On July 24, 2026, OptimumBank Holdings, Inc. issued a press release and a presentation describing its unaudited results of operations and financial condition for, and at the end of, the quarter and six month period ended June 30, 2026. The press release is attached as Exhibit 99.1 and the presentation as Exhibit 99.2.

Filed Jul 24, 2026Accepted Jul 24, 2026, 8:00 AM EDTCIK 1288855Accession 0001493152-26-034476
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Company context

Current securities

Recent company filings

  1. EFFECT filingSep 21, 2026
  2. 424B3 filingSep 21, 2026
  3. DEL AM filingSep 11, 2026
  4. S-4 filingSep 10, 2026
  5. Entry into a Material Definitive Agreement · Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement · Regulation FD DisclosureAug 19, 2026

Registered securities in this filing

OPTIMUMBANK HOLDINGS, INC. · 8-K · Filed 2026-07-24

As filed in this accession. Current/historical status below comes from the governed listing record; the cover itself remains exact to this filing.

Common Stock

Symbol
OPHC
Exchange
NYSEAMER
Classification
COMMON
Status
Current
Filing context

Context: AsOf2026-07-24

Dimensions: Not supplied

Accession 000149315226034476 · 1 registered-security cover member

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Disclosure sections

Items 2.02, 7.01, 9.01

Select an item to read the extracted section. The as-filed document remains the primary evidence.

Item 7.01Item 7.01 - Regulation FD Disclosure
Item 7.01 Regulation FD Disclosure. On July 24, 2026, OptimumBank Holdings, Inc. issued a press release and a presentation describing its unaudited results of operations and financial condition for, and at the end of, the quarter and six month period ended June 30, 2026. The press release is attached as Exhibit 99.1 and the presentation as Exhibit 99.2.
Filed exhibits (2)
EX-99.1 (by filename) ex99-1.htm

EX-99.1 2 ex99-1.htm EX-99.1 Exhibit 99.1 OptimumBank Holdings, Inc. Financial Performance for the Second Quarter of 2026 Fort Lauderdale, FL, July 24, 2026 - OptimumBank Holdings, Inc. (NYSE American: OPHC) (the “Company”) is a financial holding company and owns 100% of OptimumBank (the “Bank”), a Florida-chartered commercial bank, OptimumHUD Loans, LLC (d/b/a as OptimumFunding, LLC), a wholly owned non-bank Bridge and HUD-lender and OptimumFinance, LLC, a non-bank, wholly owned financing subsidiary. The Company is pleased to announce net income of $6.7 million, or $0.40 per basic share, and $0.28 per diluted share, for the second quarter of 2026, compared to $4.7 million, or $0.39 per basic share, and $0.20 per diluted share in the first quarter of 2026 and $3.6 million, or $0.31 per basic share, and $0.15 per diluted share, for the comparable quarter last year. For the six months ended June 30, 2026, net income was $11.3 million, or $0.79 per basic share, and $0.48 per diluted share, compared to net income of $7.5 million, or $0.64 per basic share, and $0.32 per diluted share, for the six months ended June 30, 2025. The increase of $3.8 million in net income for the six-mo…

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