Columbia, SC · Cert 35241 · Optus Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
74
Asset Quality
38
Profitability
32
Liquidity
68
Efficiency
80
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.
Columbia, SC · Cert 35241 · Optus Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Columbia, SC · 2026 SOD (annual) · 2.4% share · #9 of 28 inst. · $0.6B of $27.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.24% | 0.84% | 1.04% | 1.05% | 1.11% | 1.32% | 0.95% | -9 bps | |
| Return on Equity | 8.67% | 9.76% | 7.13% | 8.99% | 8.86% | 9.29% | 10.61% | 7.60% | -139 bps | |
| Net Interest Margin | 3.01% | 2.92% | 2.80% | 2.93% | 2.94% | 2.80% | 2.87% | 2.71% | -22 bps | |
| Efficiency Ratio | 52.95% | 50.39% | 58.13% | 52.45% | 53.15% | 52.34% | 46.47% | 55.79% | +334 bps | |
| Non-Interest Burden | 1.54% | 1.29% | 1.56% | 1.46% | 1.50% | 1.37% | 1.05% | 1.36% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.11% | 26.22% | 22.74% | 20.84% | 23.05% | 17.40% | 16.65% | 6.88% | -1,396 bps | |
| Loan Growth (YoY) | 33.13% | 27.87% | 20.15% | 10.96% | 14.22% | 17.18% | 22.97% | 17.28% | +632 bps | |
| Deposit Growth (YoY) | 29.59% | 24.15% | 27.35% | 35.90% | 26.41% | 24.01% | 12.53% | 2.78% | -3,312 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 1.22% | 0.72% | 2.96% | 2.54% | 4.54% | 3.68% | 0.94% | -201 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.12% | 0.02% | 0.08% | 0.10% | 0.07% | 0.04% | 0.03% | -5 bps | |
| Allowance / Loans | 0.41% | 0.47% | 0.52% | 0.55% | 0.53% | 0.49% | 0.50% | 0.53% | -3 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.4x | 0.7x | 0.2x | 0.2x | 0.1x | 0.1x | 0.6x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.72% | 12.49% | 12.23% | 12.01% | 12.94% | 12.41% | 12.46% | 12.99% | +98 bps | |
| Total Risk-Based Capital | 19.79% | 19.01% | 19.84% | 19.13% | 20.76% | 19.26% | 19.15% | 20.01% | +88 bps | |
| Equity / Assets | 12.76% | 11.63% | 11.87% | 11.37% | 12.36% | 12.35% | 12.49% | 12.85% | +147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.46% | 70.50% | 64.31% | 61.81% | 61.86% | 66.61% | 70.27% | 70.53% | +872 bps | |
| Liquid Assets / Assets | 12.90% | 13.02% | 15.02% | 17.49% | 18.45% | 14.68% | 13.77% | 13.57% | -392 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 197.74% | 241% | 252% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.97% | 0.60% | 1.01% | 1.45% | Beats 46% | 339 / 629 | ||
| Return on Equity | 7.54% | 5.38% | 9.30% | 13.28% | Beats 36% | 405 / 629 | ||
| Net Interest Margin | 2.71% | 3.03% | 3.54% | 4.05% | Beats 14% | 544 / 629 | ||
| Efficiency Ratio | 55.79% | 58.35% | 67.79% | 79.08% | Beats 80% | 129 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.94% | 0.09% | 0.46% | 1.20% | Beats 31% | 399 / 581 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 44% | 328 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.52% | 11.24% | 13.84% | 18.77% | Beats 77% | 145 / 629 | ||
| Total Risk-Based Capital Ratio | 20.01% | 11.58% | 14.43% | 19.66% | Beats 76% | 151 / 629 | ||
| Equity / Assets | 12.85% | 9.09% | 10.65% | 13.80% | Beats 70% | 191 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.53% | 67.24% | 80.90% | 93.48% | 31st pctl | 407 / 594 | ||
| Loans / Assets | 59.66% | 53.31% | 67.71% | 78.15% | 33rd pctl | 419 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||