Optus Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings rose 5.1% from Q1 2026 to Q2 2026, ending at $23.3M against $22.1M. It was the largest change among the key lines on this page. Optus Bank ranks 9th of 30 South Carolina banks on CET1 ratio, in the upper half at 19.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Optus Bank sits 4.43 points higher, at 19.52% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.52% |
| Tier 1 risk-based capital ratio | 19.52% |
| Total risk-based capital ratio | 20.01% |
| Tier 1 leverage ratio | 12.99% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $98.7M |
| Tier 1 capital | $98.7M |
| Total risk-based capital | $101.2M |
| Total equity capital | $98.2M |
| Risk-weighted assets | $505.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.85% |
| Tangible equity to tangible assets | 12.85% |
| Equity capital to average assets | 12.92% |
| Internal capital growth rate | 4.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.0M |
| Common stock surplus | $69.4M |
| Retained earnings | $23.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$523K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 23.86% | 23.86% | 24.34% | 15.45% | $293.2M |
| Q4 2023 | 21.51% | 21.51% | 21.96% | 14.36% | $333.6M |
| Q1 2024 | 18.30% | 18.30% | 18.67% | 13.92% | $400.9M |
| Q2 2024 | 17.02% | 17.02% | 17.35% | 13.22% | $441.4M |
| Q3 2024 | 19.41% | 19.41% | 19.79% | 12.72% | $394.6M |
| Q4 2024 | 18.57% | 18.57% | 19.01% | 12.49% | $425.5M |
| Q1 2025 | 19.35% | 19.35% | 19.84% | 12.23% | $415.8M |
| Q2 2025 | 18.63% | 18.63% | 19.13% | 12.01% | $443.3M |
| Q3 2025 | 20.28% | 20.28% | 20.76% | 12.94% | $456.3M |
| Q4 2025 | 18.81% | 18.81% | 19.26% | 12.41% | $505.0M |
| Q1 2026 | 18.68% | 18.68% | 19.15% | 12.46% | $522.2M |
| Q2 2026 | 19.52% | 19.52% | 20.01% | 12.99% | $505.7M |
Optus Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Optus Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Optus Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35241) · FFIEC NIC profile (RSSD 2794732)