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Optus Bank
Columbia, SC · FDIC Certificate #35241 · Chartered 03/2
Total assets
$764.19M
Total deposits
$646.45M
Total equity
$98.17M
Net loans
$453.55M
Branches (offices)
2
Net income (YTD)
$3.70M
Rank: #1,303 of 4,213 U.S. banks by assets · #17 of 43 in South Carolina. Assets changed 6.9% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.95% |
| Return on equity | 7.60% |
| Net interest margin (YTD) | 2.71% |
| Equity to assets | 12.85% |
| Tier 1 leverage ratio | 12.99% |
| Uninsured deposits (share of deposits) | 18.7% |
| Noncurrent loans (share of loans) | 0.94% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 70.2% |
| Real estate loans (share of loans) | 62.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $285.36M | 62.9% | |
| Commercial & industrial | $146.98M | 32.4% | |
| Consumer / individual | $23.61M | 5.2% | |
| Construction & development | $53.46M | 11.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $373.16M | $310.44M | $806.00K | $61.11M |
| Jun 2023 | $439.71M | $369.02M | $3.17M | $66.40M |
| Jun 2024 | $591.69M | $462.78M | $3.34M | $74.18M |
| Jun 2025 | $715.01M | $628.93M | $3.57M | $81.32M |
| Jun 2026 | $764.19M | $646.45M | $3.70M | $98.17M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $646.45M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $646.45M.
Similar-sized banks
West Plains Bank And Trust Company ($767.87M) · Commerce Bank ($762.49M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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