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Optus Bank

Columbia, SC · Cert 35241 · Optus Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

74

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

80

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Optus Bank

Columbia, SC · Cert 35241 · Optus Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$764.2MAssets
$455.9MLoans
$646.4MDeposits
$98.2MEquity
Loan mix
56%RE $260.0M38%C&I $178.3M6%Consumer $26.0MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $600.5M7%Noninterest $46.0MQ2 2025Q2 2026

NIM

5.66%Q2 ’245.59%Q2 ’255.30%Q2 ’26-8%-8%

Non-interest income vs. expense

1.73%Q2 ’241.62%Q2 ’251.70%Q2 ’26-9%-7%

Market Position · Columbia, SC · 2026 SOD (annual) · 2.4% share · #9 of 28 inst. · $0.6B of $27.2B

Executive Summary

  • Earnings: ROA of 0.95%, down 9 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.94% of loans (-201 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.99%, up 98 bps from a year ago.
  • Funding: loans stand at 70.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%-9 bps YoY

Net Interest Margin (YTD, annualized)

2.71%-22 bps YoY

Efficiency Ratio (YTD, annualized)

55.79%+334 bps YoY

Tier 1 Leverage Ratio

12.99%+98 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.05%1.11%1.32%0.95%-9 bps
Return on Equity8.99%8.86%9.29%10.61%7.60%-139 bps
Net Interest Margin2.93%2.94%2.80%2.87%2.71%-22 bps
Efficiency Ratio52.45%53.15%52.34%46.47%55.79%+334 bps
Non-Interest Burden1.46%1.50%1.37%1.05%1.36%-10 bps
Growth
Asset Growth (YoY)20.84%23.05%17.40%16.65%6.88%-1,396 bps
Loan Growth (YoY)10.96%14.22%17.18%22.97%17.28%+632 bps
Deposit Growth (YoY)35.90%26.41%24.01%12.53%2.78%-3,312 bps
Asset Quality
Nonperforming Loans / Loans2.96%2.54%4.54%3.68%0.94%-201 bps
Net Charge-Offs / Loans0.08%0.10%0.07%0.04%0.03%-5 bps
Allowance / Loans0.55%0.53%0.49%0.50%0.53%-3 bps
Allowance Coverage of NPLs0.2x0.2x0.1x0.1x0.6x+0.4x
Capital
Tier 1 Leverage Ratio12.01%12.94%12.41%12.46%12.99%+98 bps
Total Risk-Based Capital19.13%20.76%19.26%19.15%20.01%+88 bps
Equity / Assets11.37%12.36%12.35%12.49%12.85%+147 bps
Liquidity & Funding
Loans / Deposits61.81%61.86%66.61%70.27%70.53%+872 bps
Liquid Assets / Assets17.49%18.45%14.68%13.77%13.57%-392 bps
CRE / Total Capitaln/a197.74%241%252%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Optus Bank

Columbia, SC · Cert 35241 · Peer group: banks under $1B in assets (n=581-629) · Optus Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$764.2MAssets
$455.9MLoans
$646.4MDeposits
$98.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 80% of banks under $1B in assets (rank 129 of 629).
  • Widest gap: net interest margin trails 86% of banks under $1B in assets (rank 544 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.97%

Rank 339 of 629

Net Interest Margin

2.71%

Rank 544 of 629

Efficiency Ratio

55.79%

Rank 129 of 629

Equity / Assets

12.85%

Rank 191 of 629

Non-interest income vs. expense

$2.6M$12.9MINCOMEEXPENSE
Unfavorable gap of $10.3M · efficiency ratio beats 80% of banks under $1B in assets
Bank 55.79%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.60%1.01%1.45%Beats 46%339 / 629
Return on Equity7.54%5.38%9.30%13.28%Beats 36%405 / 629
Net Interest Margin2.71%3.03%3.54%4.05%Beats 14%544 / 629
Efficiency Ratio55.79%58.35%67.79%79.08%Beats 80%129 / 629
Asset Quality
Nonperforming Loans / Loans0.94%0.09%0.46%1.20%Beats 31%399 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 44%328 / 581
Capital
Tier 1 Capital Ratio19.52%11.24%13.84%18.77%Beats 77%145 / 629
Total Risk-Based Capital Ratio20.01%11.58%14.43%19.66%Beats 76%151 / 629
Equity / Assets12.85%9.09%10.65%13.80%Beats 70%191 / 629
Liquidity & Funding
Loans / Deposits70.53%67.24%80.90%93.48%31st pctl407 / 594
Loans / Assets59.66%53.31%67.71%78.15%33rd pctl419 / 629
Brokered Deposits / Depositsn/aNot reported for this institution