Optus Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 19.85 percentage points in Q2 2026, from 99.28% to 119.12%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, Optus Bank is 29th of 44 on loan-to-deposit ratio, 70.53% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Optus Bank sits 10.02 points lower, at 70.53% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $455.9M |
| Net loans and leases | $453.6M |
| Loans held for sale | $0 |
| Loans to total assets | 59.66% |
| Loan-to-deposit ratio | 70.53% |
| Net loans to equity capital | 4.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.42% |
| Multifamily (5+ residential) | 4.19% |
| Commercial and industrial | 32.24% |
| Consumer | 5.18% |
| Credit cards | 0.00% |
| Farm | 0.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 119.12% |
| Construction concentration (Tier 1 capital + allowance) | 52.89% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.57% |
| Interest income on loans | $6.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $267.6M | $401.5M | 18.35% | 59.62% | 12.15% |
| Q4 2023 | $300.2M | $438.7M | 17.61% | 56.54% | 15.49% |
| Q1 2024 | $314.3M | $461.1M | 17.63% | 57.25% | 14.60% |
| Q2 2024 | $350.4M | $462.8M | 19.48% | 56.38% | 12.04% |
| Q3 2024 | $356.2M | $520.4M | 19.55% | 53.92% | 10.90% |
| Q4 2024 | $383.9M | $544.6M | 24.24% | 49.62% | 9.29% |
| Q1 2025 | $377.6M | $587.2M | 26.26% | 48.46% | 8.83% |
| Q2 2025 | $388.8M | $628.9M | 28.36% | 47.45% | 7.89% |
| Q3 2025 | $406.9M | $657.8M | 31.18% | 44.36% | 7.05% |
| Q4 2025 | $449.9M | $675.4M | 37.20% | 39.78% | 6.21% |
| Q1 2026 | $464.4M | $660.8M | 39.09% | 38.40% | 5.60% |
| Q2 2026 | $455.9M | $646.4M | 43.42% | 32.24% | 5.18% |
Optus Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Optus Bank, freeSource: Call Report Schedule RC-C, 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)