{"filing": {"accession": "0001493152-26-043496", "cik": "0001288855", "ticker": "OPHC", "company_name": "OptimumBank Holdings, Inc.", "form_type": "424B3", "filing_type": "424B3", "filing_date": "2026-09-21", "accepted_datetime": null, "acceptance_datetime": null, "accepted_at": null, "primary_doc_url": "https://www.sec.gov/Archives/edgar/data/1288855/000149315226043496/0001493152-26-043496-index.htm", "filing_url": "https://www.sec.gov/Archives/edgar/data/1288855/000149315226043496/0001493152-26-043496-index.htm", "period_of_report": null}, "html_url": "/api/filings/000149315226043496/stream", "exhibits": [], "sections": [], "tables": [{"table_index": 0, "table_type": "financial", "caption": null, "header_text": "\u25cfUpon\n consummation of the exchange offer, all Old Notes that are validly tendered and not validly withdrawn will be exchanged for an equal\n principal amount of the New Notes that have been registered"}, {"table_index": 2, "table_type": "financial", "caption": null, "header_text": "Page"}, {"table_index": 5, "table_type": "financial", "caption": null, "header_text": "\u25cfgeneral\n economic conditions, either nationally or regionally, that are less favorable than expected resulting in, among other things, a deterioration\n in credit quality and an increase in credit ris"}, {"table_index": 8, "table_type": "text", "caption": null, "header_text": "Old\n Notes$35,000,000\n in aggregate principal amount of 7.50% Fixed-to-Floating Rate Subordinated Notes due 2036."}, {"table_index": 9, "table_type": "text", "caption": null, "header_text": "Exchange\n OfferWe\n are offering to exchange the New Notes for an equal principal amount of Old Notes. Subject to the terms of the exchange offer, following\n the expiration or termination of the exchan"}, {"table_index": 11, "table_type": "financial", "caption": null, "header_text": "Procedures\n for Tendering Old NotesFor\n Old Notes that are represented by global book-entry notes, the DTC, as depositary, or its nominee is treated as the registered holder\n of such Old Notes and wil"}, {"table_index": 14, "table_type": "text", "caption": null, "header_text": "\u25cfyou\n are, or the person receiving the New Notes is, acquiring the New Notes in the ordinary course of business;"}, {"table_index": 15, "table_type": "text", "caption": null, "header_text": "Our\n belief that transfers of New Notes would be permitted without complying with the registration and prospectus delivery requirements\n of the Securities Act under the conditions described above is b"}, {"table_index": 17, "table_type": "text", "caption": null, "header_text": "Use\n of ProceedsWe\n will not receive any cash proceeds from the exchange of Old Notes for New Notes because of the exchange offer."}, {"table_index": 18, "table_type": "text", "caption": null, "header_text": "IssuerOptimumBank\n Holdings, Inc."}, {"table_index": 20, "table_type": "text", "caption": null, "header_text": "Form\n and DenominationThe\n New Notes will be issued only in fully registered form without interest coupons and in minimum denominations of $1,000 and any integral\n multiple of $1,000 in excess thereof"}, {"table_index": 21, "table_type": "text", "caption": null, "header_text": "For\neach interest period during the Floating Rate Period, \u201cThree-Month Term SOFR\u201d means the rate for Term SOFR for a tenor of\nthree months that is published by the Term SOFR Administrator at the Refer"}, {"table_index": 23, "table_type": "text", "caption": null, "header_text": "Subordination;\n Ranking\u25cfwill\n rank subordinate and junior in right of payment to all of our existing and future \u201csenior\n indebtedness\u201d (asdefinedbelow);"}, {"table_index": 24, "table_type": "financial", "caption": null, "header_text": "\u25cfwill\n be effectively subordinated to all of the existing and future indebtedness, deposits and other liabilities of OptimumBank and our\n other current and future subsidiaries, including without limit"}, {"table_index": 26, "table_type": "financial", "caption": null, "header_text": "\u25cfwill\n be effectively subordinated to all of the existing and future indebtedness, deposits and\n other liabilities of OptimumBank and our other current and future subsidiaries, including\n without limi"}, {"table_index": 28, "table_type": "financial", "caption": null, "header_text": "The\n New Notes are not subject to repayment at the option of the holders and there is no sinking fund for the New Notes."}, {"table_index": 47, "table_type": "financial", "caption": null, "header_text": "\u25cfmaking\n it more difficult for us to satisfy our obligations with respect to our debt, including the notes;"}, {"table_index": 58, "table_type": "text", "caption": null, "header_text": "\u25cfthe\n New Notes have been registered with the SEC under the Securities Act and, as a result, will not bear any legend restricting their\n transfer;"}, {"table_index": 61, "table_type": "text", "caption": null, "header_text": "\u25cffile\n a registration statement with the SEC under the Securities Act on or prior to the 90th day after August 19, 2026 with respect to\n a registered offer to exchange the Old Notes for substantially "}], "exhibits_pending": false, "cdn_html": true, "response_time_ms": 27}