BlastPoint's Banking Scorecard

OPTUS Bank

$100M-$1B Specialty: Commercial SC FDIC cert 35241

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

Columbia, SC

2 branches across SC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 27 in SC.
Deposits +2.8% year over year ($646.4M on the books).
Delinquency rate 0.95%.
Return on assets 0.95%.
Efficiency ratio 55.79% vs a 64.48% peer average.
Loan-to-deposit ratio 70.16% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 27 in SC

View $100M-$1B leaderboard (SC) →

OPTUS Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 8.69% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 3.1% in tier
- Net Interest Margin 1.28% below tier average
- ROA 0.37% below tier average

Get updates when OPTUS Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$764.2M +6.9% YoY -2.7% QoQ	+$377.6M	$386.6M +1.2% YoY	$1.5B +5.6% YoY	$6.3B +7.7% YoY	Top 9.8% in tier
Total Loans ?	$453.6M +17.3% YoY -1.8% QoQ	+$195.2M	$258.3M +1.7% YoY	$1.0B +7.6% YoY	$3.2B +9.4% YoY	85%
Total Deposits ?	$646.4M +2.8% YoY -2.2% QoQ	+$319.7M	$326.7M +0.7% YoY	$1.3B +2.8% YoY	$4.9B +7.3% YoY	Top 9.7% in tier
Return on Assets ?	0.95% -8.6% YoY -27.6% QoQ	-0.37%	1.32% +10.8% YoY	1.14% +28.2% YoY	1.30% +12.1% YoY	31%
Net Interest Margin ?	2.71% -9.8% YoY -7.8% QoQ	-1.28%	3.99% +5.0% YoY	3.68% +4.4% YoY	3.95% +4.9% YoY	Bottom 5.0% in tier
Efficiency Ratio ?	55.79% +6.4% YoY +20.0% QoQ	-8.69%	64.48% -3.2% YoY	67.24% -4.2% YoY	70.05% +2.5% YoY	70%
Delinquency Rate ?	0.95% -68.1% YoY -74.3% QoQ	+0.03%	0.92% +15.7% YoY	0.46% -16.5% YoY	0.98% +16.3% YoY	30%
Loan-to-Deposit Ratio ?	70.16% +14.1% YoY +0.3% QoQ	-7.79%	77.95% +1.0% YoY	74.60% +2.0% YoY	79.03% +2.3% YoY	69%
Non-Interest-Bearing Deposit Share ?	7.11% -36.3% YoY -16.5% QoQ	-14.92%	22.03% -0.6% YoY	21.25% -0.8% YoY	21.98% -0.6% YoY	Bottom 5.9% in tier
Nonperforming Asset Ratio ?	0.63% -63.5% YoY -71.9% QoQ	-0.04%	0.67% +16.4% YoY	0.29% -15.5% YoY	0.69% +15.8% YoY	33%
Tier 1 Capital Ratio ?	19.52% +4.7% YoY +4.5% QoQ	+3.61%	15.91% +1.4% YoY	17.16% +0.2% YoY	17.09% +0.8% YoY	Top 14.8% in tier
Non-Interest Income / Assets ?	0.17% +120.4% YoY +29.0% QoQ	-0.39%	0.57% +7.6% YoY	0.29% +23.1% YoY	0.66% +5.2% YoY	42%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Noninterest-Bearing	7.1% -4.1pp YoY -1.4pp QoQ	-15.0pp	22.1%	21.7%	22.2%	5%
Brokered Deposits	55.1% +7.9pp YoY +3.5pp QoQ	+47.2pp	7.9%	10.6%	8.5%	99%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
C&I	32.4% -15.3pp YoY -6.2pp QoQ	+20.8pp	11.6%	9.8%	12.5%	97%
CRE	59.7% +18.8pp YoY +6.3pp QoQ	+20.1pp	39.5%	43.3%	41.4%	84%
1-4 Family	3.1% -0.8pp YoY +0.3pp QoQ	-29.5pp	32.6%	44.4%	31.3%	3%
Consumer	5.2% -2.7pp YoY -0.4pp QoQ	+1.1pp	4.1%	4.5%	5.0%	78%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
CET1 Ratio	19.5% +0.9pp YoY +0.8pp QoQ	+0.7pp	18.8%	18.1%	19.7%	76%
Leverage Ratio	13.0% +1.0pp YoY +0.5pp QoQ	+0.8pp	12.2%	12.3%	12.6%	75%
Total Capital Ratio	20.0% +0.9pp YoY +0.9pp QoQ	+0.1pp	19.9%	19.1%	20.8%	74%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Full-Time Employees	46 -1 (-2.1%) YoY -4 (-8.0%) QoQ	-13	58	174	482	48%
Assets per Employee ($)	$16.6M +9.2% YoY +5.8% QoQ	+$9.1M	$7.5M	$7.8M	$8.8M	98%
Branch Count	2 0 YoY 0 QoQ	-3	4	12	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -2.8pp YoY -2.0pp QoQ	-0.3pp	0.3%	0.0%	0.4%	10%
Nonaccrual	0.9% +0.8pp YoY -0.7pp QoQ	0.0pp	0.9%	0.5%	1.0%	70%
Allowance Coverage	0.56x +197.6% YoY +306.0% QoQ	-23.60x	24.15x	15.59x	20.23x	12%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	60%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
ROE	7.6% -1.4pp YoY -3.0pp QoQ	-4.6pp	12.2%	11.7%	11.6%	23%
Cost of Funds (YTD)	2.6% -0.1pp YoY 0.0pp QoQ	+0.9pp	1.7%	1.6%	1.7%	92%
Net Income ($, YTD)	$3.7M +3.7% YoY — QoQ	+$1.1M	$2.6M	$9.6M	$40.4M	78%

Get Full Access to OPTUS Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#6 of 162 • Bottom 3.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 7.11%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

258

Total Deposits

size

Value: $646.45M

Peer Median: $326.73M

#258 of 2643 Top 9.7% in $100M-$1B

261

Total Assets

size

Value: $764.19M

Peer Median: $386.57M

#261 of 2643 Top 9.8% in $100M-$1B

392

Tier 1 Capital Ratio

capital

Value: 19.52%

Peer Median: 15.91%

#392 of 2643 Top 14.8% in $100M-$1B

410

Total Loans

size

Value: $453.55M

Peer Median: $258.35M

#410 of 2643 Top 15.5% in $100M-$1B

Top Weaknesses (2 metrics)

2513

Net Interest Margin

profitability

Value: 2.71%

Peer Median: 3.99%

#2513 of 2643 Bottom 5.0% in $100M-$1B

2487

Non-Interest-Bearing Deposit Share

funding

Value: 7.11%

Peer Median: 22.03%

#2487 of 2643 Bottom 5.9% in $100M-$1B