OPTUS BANK

COLUMBIA, SC | Medium | Est. March 26, 1999, midnight | FDIC #35241 | RSSD #2794732 | FDIC
Latest Report: 2025-12-31

OPTUS BANK is amn medium FDIC-insured commercial bank headquartered in COLUMBIA, SC, established in March 26, 1999, midnight. As of 2025-12-31, the bank reported total assets of $778M and total deposits of $675M. Profitability stands at 1.27% ROA and 10.29% ROE, with a net interest margin of 3.22%. The bank's CET1 capital ratio is 18.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.69% and a Texas Ratio of 8.24%. FDIC Certificate #35241.

Assets

$778M

Deposits

$675M

Loans

$450M

Equity

$96M

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 10.29%
Net Interest Margin (NIM) 3.22%
Yield on Assets 6.21%
Cost of Funds 3.17%

Asset Quality

NPL Ratio 1.69%
Net Charge-Off Ratio 0.07%
Texas Ratio 8.24%
NPA Ratio 1.04%
ACL / Loans 0.49%

Capital & Liquidity

CET1 Ratio 18.81%
Tier 1 Capital 18.81%
Total Capital Ratio 19.26%
Leverage Ratio 12.41%
Loan-to-Deposit 66.61%

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