OPTUS Bank
Total assets
$764.2M
▲ +6.9% YoY
Deposits
$646.4M
▲ +2.8% YoY
Loans
$453.6M
▲ +17.3% YoY
Offices
2
OPTUS FINANCIAL CORP
ROA (annualized)
0.95%
peers 1.28%
ROE (annualized)
7.60%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | OPTUS Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.9% | +2.0 pts |
| Deposit growth (YoY) | +2.8% | +4.3% | -1.6 pts |
| Loan growth (YoY) | +17.3% | +5.3% | +12.0 pts |
| ROA | 0.95% | 1.28% | -0.3 pts |
| ROE | 7.6% | 12.4% | -4.8 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
Profile
- Established
- 1999
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- OPTUS FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 1501 Gervais St, Columbia, SC, 29201
- County
- Richland
- Metro area
- Columbia, SC
- Offices
- 2
- FDIC cert #
- 35241
- RSSD ID
- 2794732
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $764.2M | $646.4M | $453.6M | $98.2M | $3.7M | 0.95% | 2.71% | 0.63% |
| Q1 2026 | $785.2M | $660.8M | $462.0M | $98.1M | $2.6M | 1.32% | 2.94% | 2.24% |
| Q4 2025 | $777.9M | $675.4M | $447.7M | $96.1M | $8.0M | 1.11% | 3.05% | 2.69% |
| Q3 2025 | $757.2M | $657.8M | $404.7M | $93.6M | $5.5M | 1.05% | 3.06% | 1.47% |
| Q2 2025 | $715.0M | $628.9M | $386.6M | $81.3M | $3.6M | 1.04% | 3.00% | 1.72% |
| Q1 2025 | $673.1M | $587.2M | $375.7M | $79.9M | $1.4M | 0.84% | 2.80% | 0.52% |
| Q4 2024 | $662.6M | $544.6M | $382.1M | $77.1M | $7.3M | 1.24% | 3.19% | 0.78% |
| Q3 2024 | $615.4M | $520.4M | $354.8M | $78.5M | $4.8M | 1.12% | 3.24% | 0.25% |
Loan mix (Q2 2026): real estate $285.4M · commercial $147.0M · consumer $23.6M · securities $132.9M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | OPTUS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 1.28% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 12.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.89% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.8% | 61.2% | 34th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | OPTUS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | OPTUS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | OPTUS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | OPTUS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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