OptimumBank Holdings, Inc. 8-K

What Happened

• On January 20, 2026, OptimumBank Holdings, Inc. (OPHC) announced and furnished 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 disclosure was made under Regulation FD and provided to the public via an Exhibit to the Form 8‑K.

Key Details

• Date of release: January 20, 2026.
• Period covered: unaudited results and financial condition for the year ended December 31, 2025.
• Exhibits filed: Exhibit 99.1 (presentation) and Exhibit 104 (Inline XBRL cover page).
• The filing states the presentation and related information are not “filed” for purposes of Section 18 of the Exchange Act and are not automatically incorporated by reference into other filings.

Why It Matters

• Investors should review the presentation to see the company’s preliminary/unaudited view of 2025 performance and year‑end financial condition, which can provide insight into recent earnings trends, balance sheet status, and capital or liquidity posture.
• Because the material is unaudited and furnished under Regulation FD (and not deemed “filed”), investors should treat it as company disclosure for informational purposes and look for subsequent audited financial statements and formal filings (e.g., 10‑K) for confirmed results.