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 | |