OPTUS Bank
Columbia, SC
IDRSSD: 2794732
Total Assets
$777.90M
Latest filing
Total Deposits
$675.37M
Latest filing
Net Interest Margin
3.02%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
053905877COLUMBIA, SC
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
OPTUS Bank
1501 Gervais St
Columbia, SC 29201
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/26/1999FDIC Certificate 76798
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| OPTUS Bank (Main) | 1501 Gervais St | Columbia, SC |
| COLUMBIA BRANCH | 1241 Main St | Columbia, SC |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/26/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 29201 |
| State and County Number | 45079 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Columbia, SC |
Operational Info
| Number of Employees | 48 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/12/2024 |
| Date of Deposit Insurance | 03/26/1999 |
| Primary Insurance Agency | DIF |
| Website | www.optus.bank |
| Data Updated | 01/30/2026 |
| CERT | 35241 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $777.90M |
| Total Deposits | $675.37M |
| Total Liabilities | $681.84M |
| Total Equity Capital | $96.06M |
| Net Income | $2.44M |
| Net Loans and Leases | $447.68M |
| Assets Per Employee ($Millions) | $16.21M |
| Bank Premises and Fixed Assets | $7.06M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $675.37M |
Key Performance Ratios
| Return on Assets (ROA) | 1.27% |
| Return on Equity (ROE) | 10.29% |
| Net Interest Margin | 3.02% |
| Efficiency Ratio | 50.28% |
| Tier 1 Risk-Based Capital Ratio | 18.81% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.349% |
| Earning Assets to total Assets | 98.01% |
Income and Expense
| Total Interest Income | $10.96M |
| Total Noninterest Income | $782.00k |
| Total Interest Expense | $5.28M |
| Total Noninterest Expense | $3.25M |
| Net Interest Income | $5.68M |
| Pre-tax Net Operating Income | $3.10M |
| Provision for Credit Losses | $113.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $498.00k |
| Other borrowed funds | $97.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $55.84M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.38M |
| Total Liabilities and Capital | $777.90M |
Securities
| Securities | $144.68M |
| Available-for-sale debt securities | $144.68M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of OPTUS Bank?
$777.90M as of the latest filing.
How much are OPTUS Bank's total deposits?
$675.37M in total deposits.
Where is OPTUS Bank located?
Columbia, SC.
What is the Net Interest Margin?
3.02%.
How many domestic offices does it operate?
2.
When was it established?
03/26/1999.
What is the Return on Assets (ROA)?
1.27%.
How much are total loans and leases?
$447.68M (latest filing).
What is the total interest income (latest filing)?
$10.96M.