Optus Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 25.23 percentage points in Q2 2026, from 30.62% to 55.84%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, Optus Bank is 36th of 44 on return on assets, 0.59% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Optus Bank reported 0.59% on return on assets in Q2 2026, 0.66 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.52% |
| Tier 1 risk-based capital ratio | 19.52% |
| Total risk-based capital ratio | 20.01% |
| Tier 1 leverage ratio | 12.99% |
| Equity capital to assets | 12.85% |
| Tangible equity to tangible assets | 12.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.94% |
| Non-performing assets ratio | 0.63% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 4.57% |
| Allowance for credit losses to loans | 0.53% |
| Reserve coverage of non-performing loans | 55.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.59% |
| Return on equity | 4.60% |
| Net interest margin | 2.50% |
| Efficiency ratio | 68.07% |
| Yield on earning assets | 5.08% |
| Cost of funds | 2.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.53% |
| Core deposits to total deposits | 39.03% |
| Brokered deposits to total deposits | 55.06% |
| Deposits to assets | 84.59% |
| Securities to assets | 17.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.86% | 23.86% | 24.34% | 15.45% | 1.58% |
| Q4 2023 | 21.51% | 21.51% | 21.96% | 14.36% | 1.46% |
| Q1 2024 | 18.30% | 18.30% | 18.67% | 13.92% | 1.22% |
| Q2 2024 | 17.02% | 17.02% | 17.35% | 13.22% | 1.22% |
| Q3 2024 | 19.41% | 19.41% | 19.79% | 12.72% | 0.97% |
| Q4 2024 | 18.57% | 18.57% | 19.01% | 12.49% | 1.56% |
| Q1 2025 | 19.35% | 19.35% | 19.84% | 12.23% | 0.85% |
| Q2 2025 | 18.63% | 18.63% | 19.13% | 12.01% | 1.26% |
| Q3 2025 | 20.28% | 20.28% | 20.76% | 12.94% | 1.09% |
| Q4 2025 | 18.81% | 18.81% | 19.26% | 12.41% | 1.27% |
| Q1 2026 | 18.68% | 18.68% | 19.15% | 12.46% | 1.31% |
| Q2 2026 | 19.52% | 19.52% | 20.01% | 12.99% | 0.59% |
Optus Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Optus Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)