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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 Commission File Number : 000-50755 OPTIMUMBANK HOLDINGS , INC . Florida ( Exact name of registrant as specified in its charter ) ( State or other jurisdiction of incorporation or organization ) 55-0865043 ( I.R.S. Employer Identification No. ) 2929 East Commercial Blvd. Suite 303 , Fort Lauderdale , FL 33308 ( Address of principal executive offices ) Registrant's telephone number , including area code : ( 954 ) 900-2800 Securities registered pursuant to Section 12 ( b ) of the Act : Title of each class Common Stock , par value $ 0.01 per share Trading Symbol OPHC Name of each exchange on which registered NASDAQ Capital Market None Preferred Stock , no par value Securities registered pursuant to Section 12 ( g ) of the Act : None Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act of 1933. Yes [ ] No [ X ] Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Securities Exchange Act of 1934. Yes [ ] No [ X ] Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the Registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes [ X ] No [ ] Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S - T ( §232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit and post such files ) . Yes [ X ] No [ ] Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company or an emerging growth company . See definitions of “ large accelerated filer , ” “ accelerated filer ” , “ smaller reporting company " and " emerging growth company ” in Rule 12b - 2 of the Exchange Act . Large accelerated filer [ ] Non - accelerated filer [ X ] Accelerated filer [ ] Smaller reporting company [ X ] Emerging Growth Company ( ) If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . [ ]