Optus Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Core deposits to total deposits: 4.10 percentage points lower than in Q1 2026, at 39.03%. Optus Bank ranks 29th of 44 South Carolina banks on loan-to-deposit ratio, in the lower half at 70.53% (Q2 2026). Optus Bank reported 70.53% on loan-to-deposit ratio for Q2 2026, 10.02 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $104.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $237.3M |
| Fed funds sold and reverse repos | $57.2M |
| Fed funds sold and reverse repos to assets | 7.49% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $15.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.53% |
| Net loans and leases to deposits | 70.16% |
| Loans and leases to core deposits | 74.96% |
| Core deposits to total deposits | 39.03% |
| Brokered deposits to total deposits | 55.06% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 66.64% | 52.31% | $0 | $1.1M |
| Q4 2023 | 68.45% | 49.81% | $0 | $12.1M |
| Q1 2024 | 68.16% | 47.27% | $0 | $12.1M |
| Q2 2024 | 75.71% | 48.47% | $0 | $51.1M |
| Q3 2024 | 68.46% | 40.51% | $0 | $12.1M |
| Q4 2024 | 70.50% | 38.85% | $0 | $31.6M |
| Q1 2025 | 64.31% | 41.38% | $0 | $2.1M |
| Q2 2025 | 61.81% | 43.99% | $0 | $100K |
| Q3 2025 | 61.86% | 40.71% | $0 | $99K |
| Q4 2025 | 66.61% | 42.34% | $0 | $97K |
| Q1 2026 | 70.27% | 43.13% | $0 | $20.1M |
| Q2 2026 | 70.53% | 39.03% | $0 | $15.1M |
Optus Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Optus Bank, freeSource: Call Report Schedules RC and RC-M, 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)