Is Optus Bank Safe?
Optus Bank has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (83/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 17.02% | 100/100 |
| Nonperforming Loan Ratio | 0.40% | 92/100 |
| Liquidity Ratio | 30.24% | 100/100 |
| Return on Assets | 1.57% | 83/100 |
| Total Assets | $0.6B | |
How does Optus Bank compare?
With a Bank Health Score of 96/100, Optus Bank sits 26.0 points above the national average of 70/100 for FDIC-insured banks. Within South Carolina, where 38 FDIC-insured banks are headquartered, Optus Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 17.02% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.40% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Optus Bank's Bank Health Score improved by 12.0 points to 96/100. Tier 1 capital weakened by 6.84 percentage points to 17.02%. Quarter-over-quarter, the score rose by 1.0 points.
Optus Bank has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (83/100).