Side-by-side · Q2 2026 data
Carolina Bank & Trust Co. vs OPTUS Bank
Metric by metric
| Measure | Carolina Bank & Trust Co. | OPTUS Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 75 |
| Capital cushion | 85 (stronger) | 80 |
| Loan quality | 86 (stronger) | 69 |
| Earnings | 94 (stronger) | 58 |
| Funding & liquidity | 50 | 86 (stronger) |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 84th | 61st |
| Total assets | $844.6M | $764.2M |
| Deposits / shares | $727.4M | $646.4M |
| Capital ratio | 13.51% (stronger) | 12.99% |
| Problem loans | 0.41% (stronger) | 0.94% |
| Net charge-offs | 0.20% | 0.03% (stronger) |
| Return on assets | 1.85% (stronger) | 0.95% |
| Loans ÷ deposits | 82.3% | 70.2% (stronger) |
| Uninsured deposits | 40.1% | 18.7% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | — |
Carolina Bank & Trust Co. has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Carolina Bank & Trust Co. leads on 4 and OPTUS Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.