Call reports 2025
OPTUS BANK — 2025
What OPTUS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 673,149,000 | 715,011,000 | 757,233,000 | 777,905,000 |
| Total loans | 377,621,000 | 388,758,000 | 406,889,000 | 449,885,000 |
| Allowance for loan losses | 1,968,000 | 2,150,000 | 2,165,000 | 2,203,000 |
| Securities available for sale | 131,381,000 | 132,447,000 | 142,764,000 | 144,683,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 587,225,000 | 628,932,000 | 657,784,000 | 675,365,000 |
| Interest-bearing deposits | 528,931,000 | 558,745,000 | 603,384,000 | 609,428,000 |
| Noninterest-bearing deposits | 58,294,000 | 70,187,000 | 54,400,000 | 65,937,000 |
| Equity capital | 79,935,000 | 81,320,000 | 93,557,000 | 96,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,099,000 | 19,243,000 | 29,916,000 | 40,871,000 |
| Interest expense | 4,498,000 | 9,170,000 | 14,139,000 | 19,418,000 |
| Net interest income | 4,601,000 | 10,073,000 | 15,777,000 | 21,453,000 |
| Noninterest income | 274,000 | 560,000 | 737,000 | 1,519,000 |
| Noninterest expense | 2,834,000 | 5,577,000 | 8,777,000 | 12,024,000 |
| Provision for loan losses | 184,000 | 504,000 | 663,000 | 738,000 |
| Pretax income | 1,843,000 | 4,569,000 | 7,097,000 | 10,195,000 |
| Income tax | 443,000 | 1,000,000 | 1,584,000 | 2,243,000 |
| Net income | 1,400,000 | 3,569,000 | 5,513,000 | 7,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,437,000 | 82,605,000 | 92,549,000 | 94,988,000 |
| Total capital | 82,487,000 | 84,806,000 | 94,753,000 | 97,268,000 |
| Risk-weighted assets | 415,759,000 | 443,347,000 | 456,329,000 | 504,980,000 |