🏦Bank Scorer

OPTUS BANK

COLUMBIA, SC · Supervised by FDIC

Est. 1999FDIC #35,241RSSD: FDIC-35241
Part ofU.S. Bancorp→ View all charters
Satisfactory Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.32%

Institution Profile

FDIC BankFind

Address

1501 Gervais St, COLUMBIA, SC

County

Richland County

Established

March 26, 1999

Total Assets

$785M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$785M

Total Deposits

$661M

Net Loans

$462M

Net Income

$3M

ROA

1.32%

ROE

10.61%

Risk-Based Capital

19.15%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$629M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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