Optus Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Cost of borrowings: 1.17 percentage points higher than in Q1 2026, at 4.12%. On net interest margin, Optus Bank is 4th from the bottom among 44 South Carolina banks, 2.50% (Q2 2026). Optus Bank reported 2.50% on net interest margin for Q2 2026, 1.44 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.08% |
| Yield on loans | 5.57% |
| Yield on securities | 4.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.92% |
| Cost of interest-bearing deposits | 3.20% |
| Cost of interest-bearing liabilities | 3.12% |
| Cost of borrowings | 4.12% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.50% |
| Yield to cost spread | 1.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $4.8M |
| Interest expense on deposits | $4.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.61% | 2.22% | 3.73% | 6.12% | 4.03% |
| Q4 2023 | 6.01% | 2.73% | 3.69% | 6.37% | 4.62% |
| Q1 2024 | 5.86% | 2.72% | 3.36% | 6.36% | 4.60% |
| Q2 2024 | 5.94% | 2.99% | 3.29% | 6.52% | 4.63% |
| Q3 2024 | 6.03% | 3.28% | 3.08% | 6.63% | 4.86% |
| Q4 2024 | 5.99% | 3.26% | 3.12% | 6.78% | 4.59% |
| Q1 2025 | 5.60% | 3.11% | 2.83% | 6.35% | 4.60% |
| Q2 2025 | 5.97% | 3.06% | 3.22% | 6.86% | 4.72% |
| Q3 2025 | 6.07% | 3.15% | 3.25% | 7.14% | 4.78% |
| Q4 2025 | 5.82% | 3.11% | 3.02% | 6.70% | 5.15% |
| Q1 2026 | 5.53% | 2.91% | 2.92% | 6.35% | 4.97% |
| Q2 2026 | 5.08% | 2.92% | 2.50% | 5.57% | 4.73% |
Optus Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Optus Bank, freeSource: Call Report Schedules RI and RC-K, 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)