Bank call report · Columbia, SC
Optus Bank Call Report
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Optus Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 307 reported line items, schedule by schedule (756 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 2794732 |
| FDIC certificate number | 35241 |
| Total assets | $764.2M |
Official Q2 2026 call report PDF (FFIEC) →
Optus Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Optus Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $764.2M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $764.2M |
| Total Liabilities and Minority Interest | RCON2948 | $666.0M |
| Total Deposits | RCON2200 | $646.4M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $600.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $455.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $453.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $132.9M |
| Interest-bearing Balances | RCON0071 | $103.7M |
| Total Equity Capital | RCON3210 | $98.2M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $98.2M |
| Surplus | RCON3839 | $69.4M |
| Securities Purchased Under Agreements to Resell | RCONB989 | $56.8M |
| Deposits: Noninterest-bearing | RCON6631 | $46.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $23.3M |
| Other Borrowed Money | RCON3190 | $15.1M |
| Other Assets | RCON2160 | $8.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $7.3M |
| Common Stock | RCON3230 | $6.0M |
| Other Liabilities, Total | RCON2930 | $4.5M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$523K |
| Other Real Estate Owned | RCON2150 | $498K |
| Federal Funds Sold | RCONB987 | $476K |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $255K |
Schedule RI: Income Statement (39 items)
About Schedule RI · Optus Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $20.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $13.7M |
| Net Interest Income | RIAD4074 | $10.3M |
| Total Interest Expense | RIAD4073 | $9.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $8.4M |
| Total Noninterest Expense | RIAD4093 | $6.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $5.3M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $4.9M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $4.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $4.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.7M |
| Net Income (Loss) | RIAD4340 | $3.7M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.7M |
| Salaries and Employee Benefits | RIAD4135 | $3.1M |
| Other Noninterest Expense | RIAD4092 | $2.9M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $2.7M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2.1M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.8M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.7M |
| Total Noninterest Income | RIAD4079 | $1.3M |
| Applicable Income Taxes | RIAD4302 | $1.2M |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $1.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $968K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $932K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $704K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $495K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $467K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $356K |
| Other Noninterest Income | RIADB497 | $302K |
| Provision for Loan and Lease Losses | RIAD4230 | $261K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $261K |
| Interest on Other Securities | RIAD4060 | $183K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $174K |
| Other Interest Income | RIAD4518 | $139K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $56K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $35K |
| Net Servicing Fees | RIADB492 | $29K |
| Other Interest Expense | RIADGW44 | $18K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 46 |
Schedule RC-B: Securities (24 items)
About Schedule RC-B · Optus Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $355K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $328K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $133.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $96.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $96.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $52.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $41.8M |
| Pledged Securities | RCON0416 | $40.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $16.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $13.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $11.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $11.3M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $10.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $9.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $9.7M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $9.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $6.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $5.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $5.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $1.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $389K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $29K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $29K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $5K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · Optus Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $455.9M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $150.1M |
| Commercial and Industrial Loans | RCON1766 | $147.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $114.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $99.1M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $81.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $78.8M |
| Pledged Loans and Leases | RCONG378 | $73.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $68.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $52.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $52.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $47.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $25.7M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $23.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $19.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $11.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $3.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $2.9M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $2.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $2.1M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $2.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $1.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $991K |
| Real Estate Loans Secured by Farmland | RCON1420 | $830K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $793K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $366K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $159K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $51K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $19K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $16.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $10.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $9.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $3.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $307K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 78 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 61 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 33 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 29 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 27 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 7 |
Schedule RC-E: Deposit Liabilities (33 items)
About Schedule RC-E · Optus Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $461.9M |
| Total reciprocal deposits | RCONJH83 | $450.9M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $364.3M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $355.9M |
| Total Brokered Deposits | RCON2365 | $355.9M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $353.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $302.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $285.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $204.7M |
| Total Transaction Accounts | RCON2215 | $184.5M |
| Total Demand Deposits (See Note Below) | RCON2210 | $180.9M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $133.7M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $133.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $127.2M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $103.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $97.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $90.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $52.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $38.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $34.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $27.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $20.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $13.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $7.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $7.2M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $6.8M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $5.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $3.1M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $2.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $2.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $1.2M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $702K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $700K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Accrued Interest Receivable | RCONB556 | $3.4M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $3.0M |
| Other Assets | RCON2168 | $1.3M |
| Net Deferred Tax Assets | RCON2148 | $1.1M |
| Prepaid Expenses | RCON2166 | $495K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $429K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $2.5M |
| All Other Liabilities | RCON2938 | $1.3M |
| Other Expenses Accrued and Unpaid | RCON3646 | $659K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $630K |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $451K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $77K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Optus Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $759.9M |
| Quarterly Average of Total Loans | RCON3360 | $459.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $308.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $259.9M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $161.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $138.2M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $123.6M |
| Mortgage-backed Securities | RCONB559 | $109.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $91.3M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $56.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $39.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $25.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $19.2M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $13.4M |
| All Other Securities | RCONB560 | $10.3M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $1.4M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · Optus Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $63.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $9.8M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $3.4M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $46K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $37K |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · Optus Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $15.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $15.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $3.2M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $252K |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $246K |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $94K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)
About Schedule RC-N · Optus Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $10.8M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $4.3M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $3.6M |
| Additions to Nonaccrual Assets | RCONC410 | $3.5M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $3.5M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $3.2M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $699K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $205K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $205K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $165K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $123K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $91K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $66K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $17K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $17K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Optus Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $759.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $648.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $501.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $146.7M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $98.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 4,745 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 102 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 35 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Optus Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $505.7M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Optus Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $759.9M |
| Average total consolidated assets | RCOAKW03 | $759.9M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $505.7M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $101.2M |
| Common Equity Tier 1 Capital | RCOAP859 | $98.7M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $98.7M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $98.7M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $98.2M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $75.4M |
| Retained Earnings | RCOAKW00 | $23.3M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $2.5M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $2.5M |
| Tier 2 Capital Before Deductions | RCOAP870 | $2.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$523K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$523K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2001 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1952 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1952 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1299 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1201 |
Schedule RC-R, Part II: Risk-Weighted Assets (45 items)
About Schedule RC-R, Part II · Optus Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $505.7M |
| Total Risk-weighted Assets | RCONG641 | $505.7M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $454.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $454.4M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $454.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $437.7M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $437.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $181.8M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $132.9M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $125.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $109.7M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $109.7M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $104.0M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $101.1M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $82.2M |
| Unconditionally Cancellable Commitments | RCONS540 | $76.2M |
| Adjustments to Totals Reported in Column a, Securities Purchased Under Agreements to Resell | RCONH172 | $56.8M |
| Repo-style Transactions - 20 Pct Risk Weight Category | RCONS520 | $56.8M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $56.8M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $56.8M |
| Totals from Schedule Rc, Securities Purchased Under Agreements to Resell | RCONH171 | $56.8M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $53.7M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $36.4M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $27.3M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $21.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $17.1M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $17.1M |
| Total All Other Assets | RCOND981 | $16.6M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $14.5M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $14.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $11.9M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $8.5M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $6.4M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $5.2M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $4.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $4.2M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $4.2M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $4.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $2.1M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.7M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$662K |
| Federal Funds Sold in Domestic Offices | RCOND971 | $476K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $476K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $254K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $49K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $98.2M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $96.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $96.1M |
| Other Comprehensive Income | RIADB511 | -$1.6M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · Optus Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $75K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $73K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $5K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $4K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $2K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Optus Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $2.4M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.2M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $75K |
Optus Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Optus Bank call report?
The Optus Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Optus Bank file?
Optus Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Optus Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Optus Bank has Federal Reserve RSSD ID 2794732 and FDIC certificate number 35241. Either one finds its filings on the FFIEC Central Data Repository.
How often does Optus Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Optus Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 35241) · FFIEC NIC profile (RSSD 2794732)