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
Unfavorable gap of $10.3M · efficiency ratio beats 80% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |