At a glance
From its website, read 2 Nov 2026Optus Financial Corporation is a bank holding company based in Columbia, South Carolina. Its website describes auto loans, commercial real estate loans, energy-efficiency loans and 5 other loan types.
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.optus.bank |
| Office (official list) | 1545 Sumter Street, Columbia, SC 29201 |
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 holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 18 Aug 2016 |
| RSSD ID | 3334489 |
| Address | 1545 Sumter Street, Columbia, SC 29201 Directions (Google Maps) |
| Website | www.optus.bank |
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 2 Nov 2026Read from 7 pages of the lender's website on 2 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. No service area or loan amounts were stated on the pages fetched, and loan product detail pages were thin. 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, making homeownership more accessible while maintaining financial stability. | 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 | — | A revolving credit facility designed to provide working capital for short-term operating expenses. | 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
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 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$5.6 million in 6 awards from the U.S. Treasury's CDFI Fund, 2019–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2021 | CDFI Program, Financial Assistance | $300,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Small Dollar Loan Program | $415,000 |
| 2020 | CDFI Program, Financial Assistance | $400,000 |
| 2019 | CDFI Program, Financial Assistance | $200,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $70.9 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
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 2026Subsidiary bank on file with the FDIC: OPTUS Bank (FDIC cert 35241, total assets $764.2 million). 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 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, OPTUS Bank (RSSD 2794732, FDIC cert 35241), the only active bank the FDIC lists under this holding company. 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 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Optus Bank is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
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 BankBank or thrift · Columbia, SCAuto / vehicle loans, Commercial real estate loans, Energy / solar / efficiency loans, Equipment loans…Verified
Work at Optus Financial Corporation? Link to this page
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