Optus Bank is a bank based in Columbia, South Carolina, established in 1999, with $785 million in total assets across 2 branches. By Trust Grade it ranks 11th of 44 banks we track in South Carolina. Its capital ratio of 12.5% is stronger than 77% of similarly sized banks, versus a South Carolina median of 9.8%. It was profitable over the most recent period, with a 1.32% return on assets. No consumer complaints against Optus Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Optus Bank compares to South Carolina peers
How we graded Optus Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.5% capital ratio)
- Strongly profitable (ROA 1.32%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Optus Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 1241 Main St, Columbia, SC 29201
- 1501 Gervais St, Columbia, SC 29201
Are deposits at Optus Bank insured?
Yes. Optus Bank is an FDIC-insured bank (FDIC certificate #35241). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Optus Bank: frequently asked questions
Is Optus Bank a good bank?
Optus Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.5% capital ratio); Strongly profitable (ROA 1.32%).
Is Optus Bank FDIC-insured?
Yes. Optus Bank is a FDIC-insured bank (FDIC certificate #35241). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Optus Bank?
Optus Bank holds $785 million in total assets, ranking 11th of 44 banks we track in South Carolina. It operates 2 branches.
Does Optus Bank have CFPB complaints?
No CFPB complaints against Optus Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
