Bank · FDIC insured
Optus Bank
A $764.2M bank headquartered in Columbia, SC, with 2 branches in South Carolina.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.13%Needs another account or monthly activityCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Optus Bank
Established in 1921 and headquartered in Columbia, South Carolina, Optus Bank is a Certified Community Development Financial Institution and the only Black-owned bank in South Carolina.
Originally established as Victory Savings Bank and renamed Optus Bank in 2019, the bank focuses on transforming lives by providing credit, capital, and financial services to underserved communities.
- Headquarters
- 1501 Gervais St, Columbia, SC 29201
- FDIC certificate
- 35241 ↗
Branches
2 branches in South Carolina
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South Carolina
2 branches
- OPTUS BankMain office1501 Gervais St, Columbia, SC 29201Directions
- Columbia Branch1241 Main St, Columbia, SC 29201Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.99% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.94% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.95% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $71 | $81 | — |
- CapitalLeverage ratio12.99%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.94%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.95%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$71Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Optus Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.