Side-by-side · Q2 2026 data
Countybank vs OPTUS Bank
Metric by metric
| Measure | Countybank | OPTUS Bank |
|---|---|---|
| TellerScore | 69 | 75 (stronger) |
| Capital cushion | 37 | 80 (stronger) |
| Loan quality | 85 (stronger) | 69 |
| Earnings | 78 (stronger) | 58 |
| Funding & liquidity | 80 | 86 (stronger) |
| Problem-loan coverage | 90 | 90 |
| Peer percentile | 40th | 61st |
| Total assets | $733.0M | $764.2M |
| Deposits / shares | $623.1M | $646.4M |
| Capital ratio | 8.72% | 12.99% (stronger) |
| Problem loans | 0.44% (stronger) | 0.94% |
| Net charge-offs | -0.02% (stronger) | 0.03% |
| Return on assets | 1.45% (stronger) | 0.95% |
| Loans ÷ deposits | 65.4% (stronger) | 70.2% |
| Uninsured deposits | 28.2% | 18.7% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | — |
OPTUS Bank has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Countybank leads on 4 and OPTUS Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.