OPTUS Bank: how it compares with its peers
Against 19 SC banks with half to twice its assets, OPTUS Bank's strongest measure in Q2 2026 is assets per employee ($16.6M vs. a $6.9M peer median). Its weakest relative measure is net interest margin (2.71% vs. 3.85%).
| Measure | OPTUS Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.95% | 1.24% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.71% | 3.85% | Bottom third Ahead of 5% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.79% | 60.35% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $16.6M | $6.9M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.16% | 78.93% | Context |
What it means for lending operations
Its efficiency ratio of 55.79% is better than the 60.35% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Countybank Greenwood, SC · $733M
- Arthur State Bank Union, SC · $832M
- Carolina Bank & Trust Co. Lamar, SC · $845M
- Oconee Federal Savings and Loan Association Seneca, SC · $679M
- Palmetto State Bank Hampton, SC · $597M
- First Piedmont Federal Savings and Loan Association of Gaffney Gaffney, SC · $597M
Questions about OPTUS Bank
How big is OPTUS Bank?
OPTUS Bank, established in 1999, is headquartered in Columbia, SC. It reported $764M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is OPTUS Bank's return on assets?
0.95% annualized in Q2 2026, against a 1.24% median for 19 SC banks with half to twice its assets, ahead of 21% of them.
What is OPTUS Bank's efficiency ratio?
55.79% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 60.35%, and lower is better.
Is OPTUS Bank growing its loans?
Net loans grew 17.3% over the year to Q2 2026, while deposits grew 2.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SC banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Carolina bank ranked.