Optus Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Optus Bank of Columbia, SC against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.59% | 1.25% | -0.66% | 15th bottom |
| ROAE | 4.60% | 13.17% | -8.57% | 12th bottom |
| Net Interest Margin | 2.50% | 3.95% | -1.45% | 3rd bottom |
| Efficiency Ratio | 68.07% | 61.50% | +6.57% | 31st below |
| PPNR / Avg Assets | 0.82% | — | — | 14th bottom |
| Yield on Earning Assets | 5.08% | 5.67% | -0.59% | 26th below |
| Cost of Funds | 2.92% | 1.87% | +1.05% | 6th bottom |
| Net Interest Spread | 1.96% | — | — | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.94% | 0.93% | +0.01% | 30th below |
| NPA / Total Assets | 0.63% | — | — | 33rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 34th below |
| ACL / Total Loans | 0.53% | — | — | 3rd bottom |
| ACL / NPLs (Coverage) | 55.84% | — | — | 13th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.57% | 6.06% | -1.49% | 38th below |
| Provision / NCO | 372.86% | — | — | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.52% | 17.18% | +2.34% | 75th top |
| Tier 1 Ratio | 19.52% | 17.21% | +2.31% | 75th top |
| Total Capital Ratio | 20.01% | — | — | 73rd above |
| Leverage Ratio | 12.99% | 11.75% | +1.24% | 75th top |
| Equity / Assets | 12.85% | 10.98% | +1.87% | 77th top |
| TCE / Tangible Assets | 12.85% | — | — | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.53% | 80.44% | -9.91% | 70th above |
| Core Deposit Ratio | 39.03% | 86.95% | -47.92% | 0th bottom |
| Wholesale Funding Ratio | 1.98% | — | — | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.88% | — | — | 68th above |
| Loan Growth (Y/Y) | 17.28% | — | — | 89th top |
| Deposit Growth (Y/Y) | 2.78% | — | — | 41st below |
See Optus Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Optus Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Optus Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Optus Bank peer analysis.