Optus Bank
Columbia, SC · Cert 35241 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Optus Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
$764.2MAssets
$455.9MLoans
$646.4MDeposits
$98.2MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 81% of banks under $1B in assets operating in a single state (rank 145 of 755).
- Widest gap: net interest margin trails 90% of banks under $1B in assets operating in a single state (rank 683 of 755).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.97%
Rank 430 of 755
Net Interest Margin
2.71%
Rank 683 of 755
Efficiency Ratio
55.79%
Rank 190 of 755
Equity / Assets
12.85%
Rank 207 of 755
Non-interest income vs. expense
Unfavorable gap of $10.3M · efficiency ratio beats 75% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.72% | 1.06% | 1.45% | Beats 43% | 430 / 755 | |
| Return on Equity | 7.54% | 6.66% | 10.44% | 13.61% | Beats 31% | 519 / 755 | |
| Net Interest Margin | 2.71% | 3.15% | 3.68% | 4.17% | Beats 10% | 683 / 755 | |
| Efficiency Ratio | 55.79% | 55.75% | 64.78% | 75.61% | Beats 75% | 190 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.94% | 0.09% | 0.42% | 1.05% | Beats 28% | 539 / 751 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 44% | 419 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 19.52% | 11.56% | 13.81% | 17.74% | Beats 81% | 145 / 755 | |
| Total Risk-Based Capital Ratio | 20.01% | 11.72% | 14.46% | 18.53% | Beats 80% | 149 / 755 | |
| Equity / Assets | 12.85% | 8.93% | 10.56% | 13.13% | Beats 73% | 207 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 70.53% | 62.43% | 78.62% | 91.00% | 35th pctl | 494 / 755 | |
| Loans / Assets | 59.66% | 54.70% | 67.27% | 76.55% | 33rd pctl | 507 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |