OPTUS Bank (FDIC certificate #35241) is based in Columbia, South Carolina. Its Q2 2026 call report shows $764.2M in total assets and $646.4M in deposits and 2 offices.
OPTUS Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 19th. Problem-loan coverage contributes the most (90/100, 4.8%); earnings contributes the least (58/100, 0.95%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 22 points (53 → 75), mostly because the loan quality component improved by 68 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 80 |
| Q4 2024 | 73 |
| Q1 2025 | 73 |
| Q2 2025 | 53 |
| Q3 2025 | 60 |
| Q4 2025 | 53 |
| Q1 2026 | 56 |
| Q2 2026 | 75 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.22% |
| Q3 2024 | 12.72% |
| Q4 2024 | 12.49% |
| Q1 2025 | 12.23% |
| Q2 2025 | 12.01% |
| Q3 2025 | 12.94% |
| Q4 2025 | 12.41% |
| Q1 2026 | 12.46% |
| Q2 2026 | 12.99% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.37% |
| Q4 2024 | 1.22% |
| Q1 2025 | 0.72% |
| Q2 2025 | 2.96% |
| Q3 2025 | 2.54% |
| Q4 2025 | 4.54% |
| Q1 2026 | 3.68% |
| Q2 2026 | 0.94% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.20% |
| Q3 2024 | 1.12% |
| Q4 2024 | 1.24% |
| Q1 2025 | 0.84% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.05% |
| Q4 2025 | 1.11% |
| Q1 2026 | 1.32% |
| Q2 2026 | 0.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $764.2M | 12.99% | 0.94% | 0.95% | 70.2% |
| Q1 2026 | 56 | $785.2M | 12.46% | 3.68% | 1.32% | 69.9% |
| Q4 2025 | 53 | $777.9M | 12.41% | 4.54% | 1.11% | 66.3% |
| Q3 2025 | 60 | $757.2M | 12.94% | 2.54% | 1.05% | 61.5% |
| Q2 2025 | 53 | $715.0M | 12.01% | 2.96% | 1.04% | 61.5% |
| Q1 2025 | 73 | $673.1M | 12.23% | 0.72% | 0.84% | 64.0% |
| Q4 2024 | 73 | $662.6M | 12.49% | 1.22% | 1.24% | 70.2% |
| Q3 2024 | 80 | $615.4M | 12.72% | 0.37% | 1.12% | 68.2% |
| Q2 2024 | 81 | $591.7M | 13.22% | 0.40% | 1.20% | 75.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in South Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CountybankBank Greenwood, SC | 69 out of 100, Moderate | $733.0M | 8.7% | 0.44% | vs |
| Arthur State BankBank Union, SC | 62 out of 100, Moderate | $831.9M | 8.3% | 0.60% | vs |
| Carolina Bank & Trust Co.Bank Lamar, SC | 83 out of 100, Strong | $844.6M | 13.5% | 0.41% | vs |
| Oconee Federal Savings and Loan AssociationBank Seneca, SC | 78 out of 100, Strong | $679.4M | 13.6% | 0.33% | vs |
| Palmetto State BankBank Hampton, SC | 88 out of 100, Very strong | $597.5M | 14.8% | 0.12% | vs |
| First Piedmont Federal Savings and Loan Association of GaffneyBank Gaffney, SC | 84 out of 100, Strong | $597.1M | 29.1% | 0.73% | vs |
Deposit insurance
Is my money safe at OPTUS Bank?
Yes. OPTUS Bank is an FDIC-insured institution (FDIC certificate #35241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.7% of deposits ($121.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.99%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.01% (benchmark: 10%).
2 locations
Branches
OPTUS Bank lists 2 offices in 1 city. Most locations:
- Columbia, SC (2)
Identity & history
Profile
- Legal name
- OPTUS Bank
- Former names
- South Carolina Community Bank
- Type
- State-chartered bank
- FDIC certificate #
- 35241
- RSSD ID
- 2794732
- Primary regulator
- FDIC
- Holding company
- Optus Financial Corp
- Established
- March 26, 1999
- Headquarters
- 1501 Gervais St, Columbia, SC 29201
- Website
- www.optus.bank
- Employees
- 46
Quick answers
OPTUS Bank: common questions
Is OPTUS Bank FDIC insured?
Yes. OPTUS Bank is an FDIC-insured institution (FDIC certificate #35241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is OPTUS Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has OPTUS Bank ever failed?
There is no failure record for FDIC certificate #35241 in the FDIC failed bank list.
How many branches does OPTUS Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Columbia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| South Carolina National Guard Federal Credit UnionCredit union Columbia, SC | 99 out of 100, Very strong | $98.3M | 26.6% | 0.13% | vs |
| Allsouth Federal Credit UnionCredit union Columbia, SC | 93 out of 100, Very strong | $1.5B | 19.6% | 0.41% | vs |
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| Nucor Employee'S Credit UnionCredit union Florence, SC | 91 out of 100, Very strong | $68.2M | 19.7% | 0.61% | vs |
| Columbia Post Office Credit UnionCredit union Columbia, SC | 89 out of 100, Very strong | $25.2M | 24.3% | 0.28% | vs |
| Curis Financial Credit UnionCredit union Columbia, SC | 82 out of 100, Strong | $84.3M | 23.5% | 0.59% | vs |