OPTUS BANK
COLUMBIA, SOUTH CAROLINA · FDIC Cert #35241
Capital & Safety Analysis
According to FDIC financial data, OPTUS BANK holds a Tier 1 capital ratio of 17.02%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning OPTUS BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
OPTUS BANK shows strong financial health indicators. With $592M in assets and a Health Score of 96/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
OPTUS BANK has a Bank Health Score of A (96/100). It holds a Tier 1 capital ratio of 17.02%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
OPTUS BANK holds $592M in total assets and $463M in total deposits. It is located in COLUMBIA, SOUTH CAROLINA (FDIC Certificate #35241).
OPTUS BANK has a Tier 1 capital ratio of 17.02%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.40%, and the return on assets is 1.57%.
Yes. OPTUS BANK is FDIC-insured (Certificate #35241). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.