Bank Comparison
Carolina Bank & Trust Company vs Optus Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
21 · 2
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Carolina Bank & Trust Company | Optus Bank |
|---|---|---|
| CET1 Ratio | 20.23% | 18.68% |
| Tier 1 Capital Ratio | 20.23% | 18.68% |
| Total Capital Ratio | 21.48% | 19.15% |
| Tier 1 Leverage Ratio | 12.95% | 12.46% |
| Equity / Assets | 13.10% | 12.49% |
Profitability
| Metric | Carolina Bank & Trust Company | Optus Bank |
|---|---|---|
| Return on Assets (ROA) | 1.67% | 1.31% |
| Return on Equity (ROE) | 13.45% | 10.61% |
| Net Interest Margin (NIM) | 3.99% | 2.92% |
| Yield on Earning Assets | 5.30% | 5.53% |
| Cost of Funds | 1.47% | 2.97% |
Asset quality
| Metric | Carolina Bank & Trust Company | Optus Bank |
|---|---|---|
| Texas Ratio | 4.20% | 17.51% |
| Non-Performing Loan Ratio | 0.82% | 1.65% |
| Non-Performing Asset Ratio | 0.59% | 1.04% |
| Net Charge-Off Ratio | 0.23% | 0.04% |
| ACL / Loans | 1.36% | 0.50% |
Balance sheet
| Metric | Carolina Bank & Trust Company | Optus Bank |
|---|---|---|
| Total Assets | $830,628K | $785,210K |
| Total Deposits | $714,093K | $660,833K |
| Total Loans | $596,356K | $464,376K |
| Total Equity | $108,838K | $98,084K |
| Net Income (quarter) | $3,603K | $2,574K |
Liquidity & funding
| Metric | Carolina Bank & Trust Company | Optus Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 83.51% | 70.27% |
| Core Deposit Ratio | 94.93% | 94.66% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Carolina Bank & Trust Company | Optus Bank |
|---|---|---|
| Headquarters City | LAMAR | COLUMBIA |
| Headquarters State | SC | SC |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 14 | 2 |
| Employees (FTE) | 94 | 50 |
| Established | March 3, 1936, midnight | March 26, 1999, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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