Side-by-side · Q2 2026 data
Palmetto State Bank vs OPTUS Bank
Metric by metric
| Measure | Palmetto State Bank | OPTUS Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 75 |
| Capital cushion | 98 (stronger) | 80 |
| Loan quality | 96 (stronger) | 69 |
| Earnings | 58 | 58 |
| Funding & liquidity | 86 | 86 |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 92nd | 61st |
| Total assets | $597.5M | $764.2M |
| Deposits / shares | $493.7M | $646.4M |
| Capital ratio | 14.85% (stronger) | 12.99% |
| Problem loans | 0.12% (stronger) | 0.94% |
| Net charge-offs | -0.03% (stronger) | 0.03% |
| Return on assets | 0.96% (stronger) | 0.95% |
| Loans ÷ deposits | 46.5% (stronger) | 70.2% |
| Uninsured deposits | 27.4% | 18.7% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Palmetto State Bank has the higher TellerScore (88 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Palmetto State Bank leads on 6 and OPTUS Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.