Side-by-side · Q2 2026 data
Arthur State Bank vs OPTUS Bank
Metric by metric
| Measure | Arthur State Bank | OPTUS Bank |
|---|---|---|
| TellerScore | 62 | 75 (stronger) |
| Capital cushion | 33 | 80 (stronger) |
| Loan quality | 80 (stronger) | 69 |
| Earnings | 65 (stronger) | 58 |
| Funding & liquidity | 66 | 86 (stronger) |
| Problem-loan coverage | 88 | 90 (stronger) |
| Peer percentile | 22nd | 61st |
| Total assets | $831.9M | $764.2M |
| Deposits / shares | $686.1M | $646.4M |
| Capital ratio | 8.30% | 12.99% (stronger) |
| Problem loans | 0.60% (stronger) | 0.94% |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 1.12% (stronger) | 0.95% |
| Loans ÷ deposits | 89.3% | 70.2% (stronger) |
| Uninsured deposits | 19.0% | 18.7% (stronger) |
| Offices | 17 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.2% | — |
OPTUS Bank has the higher TellerScore (75 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Arthur State Bank leads on 3 and OPTUS Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.