At a glance
From its website, read 3 Nov 2026Optus Bank is a bank or thrift based in Columbia, South Carolina. Its website describes auto loans, commercial real estate loans, energy-efficiency loans and 5 other loan types. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (803) 733-8100 source |
|---|---|
| Website | www.sccommunitybank.net |
| Office (official list) | P.O. Box 425, Columbia, SC 29202 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Collateral flexible or not always required
Unsecured Loans: Flexible Financing, No Collateral Required
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Oct 2013 |
| RSSD ID | 2794732 |
| Address | P.O. Box 425, Columbia, SC 29202 Directions to the main office (Google Maps) |
| Website | www.sccommunitybank.net |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 3 Nov 2026Read from 12 pages of the lender's website on 3 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Product pages give no loan amounts or online application process, and the service area is not clearly stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | From auto loans to flexible lines of credit, Optus Bank offers secure lending options | source |
| Commercial real estate loans | — | Loans designed for the acquisition, refinancing, or improvement of owner-occupied or investment commercial real estate properties | source |
| Energy / solar / efficiency loans | — | Funding that supports eco-friendly and energy-efficient initiatives for businesses committed to sustainability | source |
| Equipment loans | — | Designed to help you purchase essential business equipment, from vehicles to machinery | source |
| Home mortgages | — | Optus Bank offers both fixed-rate and adjustable-rate mortgage options | source |
| Personal / consumer loans | — | For qualified borrowers, unsecured loans provide quick access to funds | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Government-backed loans for small businesses, offering flexible terms and lower down payments. | source |
| Small-business loans | — | We offer a full suite of lending solutions to support your business at every stage of growth. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Rural
This program supports rural businesses in key areas
source
Languages
- Spanish
You can easily utilize the platform in English or Spanish with a simple tap
source
Online application
No online application link found on the pages we read.
Pages read (12)
- https://www.optus.bank/
- https://www.optus.bank/consumer-loans
- https://www.optus.bank/lending-options
- https://www.optus.bank/contact-us-1
- https://www.optus.bank/renewable-energy-lending
- https://www.optus.bank/small-business
- https://www.optus.bank/government-guaranteed-loans
- https://www.optus.bank/resources
- https://www.optus.bank/personalbanking
- https://www.optus.bank/banking-services
- https://www.optus.bank/faqs
- https://www.optus.bank/about-us
Questions to ask when you contact them
Based on what their website said when we read it on 3 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and energy-efficiency loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3.1 million in 13 awards from the U.S. Treasury's CDFI Fund, 2004–2024 (Bank Enterprise Award Program; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $218,496 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2011 | Bank Enterprise Award Program | $167,650 |
| 2010 | Bank Enterprise Award Program | $375,075 |
| 2009 | Bank Enterprise Award Program | $71,726 |
| 2008 | Bank Enterprise Award Program | $191,900 |
| 2007 | Bank Enterprise Award Program | $443,255 |
| 2006 | Bank Enterprise Award Program | $500,000 |
| 2004 | CDFI Program, Technical Assistance | $48,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as OPTUS Bank (FDIC cert 35241). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $764.2 million (as of 30 Jun 2026) |
|---|---|
| Offices | 2 (as of 30 Oct 2026) |
Offices by state and county (2)
South Carolina (2 offices)
- Richland County (2): 1501 Gervais St, Columbia 29201 (main office); 1241 Main St, Columbia 29201
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by OPTUS Bank (RSSD 2794732, FDIC cert 35241). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $455.9 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 17.3% from $388.8 million on 30 Jun 2025 |
| Total assets | $764.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $12 million | 2.6% |
| Home equity lines of credit | $2 million | 0.4% |
| Commercial real estate, construction and multifamily | $270.6 million | 59.3% |
| Commercial and industrial (business) loans | $147 million | 32.2% |
| Farmland and farm production loans | $830,000 | 0.2% |
| Consumer loans (credit cards, auto, other) | $23.6 million | 5.2% |
Within consumer loans: auto loans $159,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 7 loans $307,000 | 78 loans $3.3 million |
| $100,001 to $250,000 | 27 loans $3 million | 61 loans $9 million |
| $250,001 to $1 million | 29 loans $10.2 million | 33 loans $16.9 million |
| All small business loans | 63 loans $13.5 million | 172 loans $29.2 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
None reported on the 30 Jun 2026 report.
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $764.2 million | Larger than 77% of the 321 other certified banks and bank holding companies nationwide (median $381.4 million). |
| Loans as a share of assets | 60% | Median of the same 321 banks and bank holding companies: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $388.8 million → $455.9 million (+17%) | Median change of 321 other certified banks and bank holding companies nationwide: +7%. Rank by loans held among these 322: 97 → 94. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies nationwide | 321 | larger than 77% |
| Loans held then vs now | certified banks and bank holding companies nationwide reporting both dates | 321 | rank 97 → 94 of 322 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 9 SBA-backed approvals for Optus Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 9 7(a) loans as the lender: $3.4M in total (gross amount approved), median $125,000
By fiscal year: FY2020 7 · FY2021 0 · FY2022 1 · FY2023 1 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 7(a) standard (9, 100%)
Borrower industries
NAICS sector, 3 or more loans.
- Finance and insurance (7)
How this lender was matched in the SBA files: FDIC cert 35241, found through the RSSD ID on the CDFI Fund list (SBA lists “Optus Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Optus Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Columbia and South Carolina
- Business Development Corp of SCLoan fund · Columbia, SCCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Caro Federal Credit UnionCredit union · Columbia, SCOfficial list only
- Midlands Housing Trust FundLoan fund · Columbia, SCAffordable housing development loansVerified
- Optus Financial CorporationBank holding company · Columbia, SCAuto / vehicle loans, Commercial real estate loans, Energy / solar / efficiency loans, Equipment loans…Verified
Work at Optus Bank? Link to this page
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