BlastPoint's Banking Scorecard
OPTUS Bank
Community
Specialty: Commercial
SC
FDIC cert 35241
Columbia, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
OPTUS Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 8.57% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 63% in Community
- - Delinquency Rate 3.93% above tier
- - Non-Interest-Bearing Deposit Share 11.28% below tier
- - Nonperforming Asset Ratio 2.19% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$777.9M
+17.4% YoY
+2.7% QoQ
|
-$613.5M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$447.7M
+17.2% YoY
+10.6% QoQ
|
-$527.8M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$675.4M
+24.0% YoY
+2.7% QoQ
|
-$489.2M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
1.11%
-10.2% YoY
+5.9% QoQ
|
-0.06% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
3.05%
-4.4% YoY
-0.2% QoQ
|
-0.61% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
52.34%
+3.9% YoY
-1.5% QoQ
|
-10.29% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
4.56%
+271.8% YoY
+78.5% QoQ
|
+3.93% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
66.29%
-5.5% YoY
+7.7% QoQ
|
-16.77% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
9.76%
-11.8% YoY
+18.1% QoQ
|
-11.28% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
2.69%
+243.5% YoY
+82.5% QoQ
|
+2.19% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
18.81%
+1.3% YoY
-7.3% QoQ
|
+8.57% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.20%
-44.0% YoY
+100.6% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Community
Why this stands out
Current:
18.81%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (4)
Margin Compression
decline
#76 of 120 · Bottom 63% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.11%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
4.56%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Community
Why this stands out
Current:
9.76%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.69%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Tier 1 Capital Ratio
Current: 18.81% · Tier avg: 10.24%
79
79th pctile
Efficiency Ratio
Current: 52.34% · Tier avg: 62.63%
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
36
36th pctile
Total Deposits
Current: $675.4M · Tier avg: $1.2B
34
34th pctile
Total Assets
Current: $777.9M · Tier avg: $1.4B
22
22th pctile
Total Loans
Current: $447.7M · Tier avg: $975.5M
19
19th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.66%
15
15th pctile
Loan-to-Deposit Ratio
Current: 66.29% · Tier avg: 83.06%
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.76% · Tier avg: 21.05%
0
0th pctile
Delinquency Rate
Current: 4.56% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.69% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.69% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 4.56% · Tier avg: 0.63%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.76% · Tier avg: 21.05%
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
15
15th pctile
Loan-to-Deposit Ratio
Current: 66.29% · Tier avg: 83.06%
19
19th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.66%
22
22th pctile
Total Loans
Current: $447.7M · Tier avg: $975.5M
34
34th pctile
Total Assets
Current: $777.9M · Tier avg: $1.4B
36
36th pctile
Total Deposits
Current: $675.4M · Tier avg: $1.2B
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
79
79th pctile
Efficiency Ratio
Current: 52.34% · Tier avg: 62.63%
91
91th pctile
Tier 1 Capital Ratio
Current: 18.81% · Tier avg: 10.24%