BlastPoint's Banking Scorecard
OPTUS Bank
Designations: ✓ CDFI-certified ✓ Minority Depository Institution
Columbia, SC
2 branches across SC
OPTUS Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.81% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.99% below tier average
- - Delinquency Rate 2.81% above tier average
- - Non-Interest-Bearing Deposit Share 13.51% below tier average
- - Nonperforming Asset Ratio 1.60% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$785.2M
+16.6% YoY
+0.9% QoQ
|
+$399.1M |
$386.1M
+0.5% YoY
|
$1.5B
+4.7% YoY
|
$6.2B
+9.1% YoY
|
Top 8.7% in tier |
| Total Loans ? |
$462.0M
+23.0% YoY
+3.2% QoQ
|
+$206.3M |
$255.7M
+1.1% YoY
|
$993.8M
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Top 14.4% in tier |
| Total Deposits ? |
$660.8M
+12.5% YoY
-2.2% QoQ
|
+$332.9M |
$328.0M
+0.1% YoY
|
$1.3B
+4.0% YoY
|
$4.8B
+8.2% YoY
|
Top 9.0% in tier |
| Return on Assets ? |
1.32%
+57.1% YoY
+18.8% QoQ
|
+0.05% |
1.27%
+12.9% YoY
|
1.18%
+45.0% YoY
|
1.23%
+13.4% YoY
|
57% |
| Net Interest Margin ? |
2.94%
+4.8% YoY
-3.7% QoQ
|
-0.99% |
3.93%
+6.0% YoY
|
3.64%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.8% in tier |
| Efficiency Ratio ? |
46.47%
-20.1% YoY
-11.2% QoQ
|
-18.81% |
65.29%
-4.5% YoY
|
67.38%
-5.7% YoY
|
66.95%
-4.1% YoY
|
Top 10.5% in tier |
| Delinquency Rate ? |
3.70%
+413.2% YoY
-18.9% QoQ
|
+2.81% |
0.89%
+18.8% YoY
|
0.54%
+11.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.8% in tier |
| Loan-to-Deposit Ratio ? |
69.92%
+9.3% YoY
+5.5% QoQ
|
-6.72% |
76.64%
+0.8% YoY
|
73.64%
+1.6% YoY
|
76.70%
+0.9% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
8.51%
-14.3% YoY
-12.8% QoQ
|
-13.51% |
22.02%
-1.0% YoY
|
20.84%
-0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.1% in tier |
| Nonperforming Asset Ratio ? |
2.24%
+327.8% YoY
-16.7% QoQ
|
+1.60% |
0.64%
+19.7% YoY
|
0.34%
+10.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.2% in tier |
| Tier 1 Capital Ratio ? |
18.68%
-3.4% YoY
-0.7% QoQ
|
+2.85% |
15.83%
+1.5% YoY
|
17.50%
+3.0% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.13%
+228.8% YoY
-31.5% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.17%
+48.2% YoY
|
0.32%
+4.1% YoY
|
68% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.