GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

OPHC · Mar 31, 2021

OptimumBank Holdings, Inc.. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0001493152-21-011099Bank
Sequential deposit growth75thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

9.83% · CORE · VALID

Interest-expense growth0thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

-44.97% · CORE · VALID

Interest-income growth95thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

30.74% · CORE · VALID

Sequential loan growth85thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

10.39% · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History60 statesSelf-history eligible
Sep 30, 20214/4 normalizedLevel 3Dec 31, 20214/4 normalizedLevel 3Mar 31, 20225/5 normalizedLevel 3Jun 30, 20225/5 normalizedLevel 3Sep 30, 20225/5 normalizedLevel 3Dec 31, 20225/5 normalizedLevel 3Mar 31, 20235/5 normalizedLevel 3Jun 30, 20235/5 normalizedLevel 3Sep 30, 20235/5 normalizedLevel 3Dec 31, 20234/4 normalizedLevel 3Mar 31, 20244/4 normalizedLevel 3Jun 30, 20243/3 normalizedLevel 3Sep 30, 20243/3 normalizedLevel 3Dec 31, 20243/3 normalizedLevel 3Mar 31, 20253/3 normalizedLevel 3Jun 30, 20253/3 normalizedLevel 3Sep 30, 20253/3 normalizedLevel 3Dec 31, 20253/3 normalizedLevel 3Mar 31, 20263/3 normalizedLevel 3Jun 30, 20263/3 normalizedLevel 4
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
13.74%
Current
9.83%
Delta
-3.91%
Funding Cost Growth Decreased
Previous
-15.93%
Current
-44.97%
Delta
-29.04%
Interest Income Growth Increased
Previous
29.69%
Current
30.74%
Delta
1.05%
Loan Growth Increased
Previous
5.49%
Current
10.39%
Delta
4.90%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Transitioned To · OPHC Fundamental State →Transitioned To · OPHC Fundamental State →Transitioned To · OPHC DEPOSIT_GROWTH_DECREASED →Transitioned To · OPHC FUNDING_COST_GROWTH_DECREASED →Transitioned To · OPHC INTEREST_INCOME_GROWTH_INCREASED →Transitioned To · OPHC LOAN_GROWTH_INCREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.