OPTUS Bank
Columbia, SC
IDRSSD: 2794732
Total Assets
$757.23M
Latest filing
Total Deposits
$657.78M
Latest filing
Net Interest Margin
3.17%
Profitability
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 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Countybank
Greenwood, South Carolina
→
Assets: $724.08MΔ +1.3%
Oconee Federal Savings and Loan Association
Seneca, South Carolina
→
Assets: $669.44MΔ -6.4%
Carolina Bank & Trust Co.
Lamar, South Carolina
→
Assets: $805.58MΔ +12.7%
Arthur State Bank
Union, South Carolina
→
Assets: $807.16MΔ +12.9%
Palmetto State Bank
Hampton, South Carolina
→
Assets: $604.01MΔ -15.5%
The Bank of South Carolina
Charleston, South Carolina
→
Assets: $580.30MΔ -18.8%
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 | 47 |
| 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 | 11/14/2025 |
| CERT | 35241 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $757.23M |
| Total Deposits | $657.78M |
| Total Liabilities | $663.68M |
| Total Equity Capital | $93.56M |
| Net Income | $1.94M |
| Net Loans and Leases | $404.72M |
| Assets Per Employee ($Millions) | $15.78M |
| Bank Premises and Fixed Assets | $6.58M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $657.78M |
Key Performance Ratios
| Return on Assets (ROA) | 1.06% |
| Return on Equity (ROE) | 8.89% |
| Net Interest Margin | 3.17% |
| Efficiency Ratio | 54.41% |
| Tier 1 Risk-Based Capital Ratio | 20.281% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.355% |
| Earning Assets to total Assets | 98.03% |
Income and Expense
| Total Interest Income | $10.67M |
| Total Noninterest Income | $177.00k |
| Total Interest Expense | $4.97M |
| Total Noninterest Expense | $3.20M |
| Net Interest Income | $5.70M |
| Pre-tax Net Operating Income | $2.54M |
| Provision for Credit Losses | $146.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $817.00k |
| Other borrowed funds | $99.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $55.16M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.79M |
| Total Liabilities and Capital | $757.23M |
Securities
| Securities | $142.76M |
| Available-for-sale debt securities | $142.76M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$757.23M as of the latest filing.
How much are OPTUS Bank's total deposits?
$657.78M in total deposits.
Where is OPTUS Bank located?
Columbia, SC.
What is the Net Interest Margin?
3.17%.
How many domestic offices does it operate?
2.
When was it established?
03/26/1999.
What is the Return on Assets (ROA)?
1.06%.
How much are total loans and leases?
$404.72M (latest filing).
What is the total interest income (latest filing)?
$10.67M.