Optum Bank, Inc.
Total assets
$21.43B
▲ +9.5% YoY
Deposits
$16.52B
▲ +9.5% YoY
Loans
$9.86B
▲ +25.3% YoY
Offices
1
ROA (annualized)
2.55%
peers 1.23%
ROE (annualized)
17.52%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Optum Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +5.9% | +3.6 pts |
| Deposit growth (YoY) | +9.5% | +5.7% | +3.8 pts |
| Loan growth (YoY) | +25.3% | +6.9% | +18.3 pts |
| ROA | 2.55% | 1.23% | +1.3 pts |
| ROE | 17.5% | 11.2% | +6.3 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
Profile
- Established
- 2003
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 12921 S Vista Station Blvd, Draper, UT, 84020
- County
- Salt Lake
- Metro area
- Salt Lake City, UT
- Offices
- 1
- FDIC cert #
- 57408
- RSSD ID
- 3202702
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $21.43B | $16.52B | $9.86B | $3.18B | $269.0M | 2.55% | 4.50% | 0.14% |
| Q1 2026 | $21.00B | $16.24B | $9.40B | $3.07B | $153.0M | 2.93% | 4.52% | 0.13% |
| Q4 2025 | $20.82B | $16.04B | $8.86B | $2.96B | $528.0M | 2.69% | 4.39% | 0.12% |
| Q3 2025 | $20.10B | $15.80B | $8.48B | $2.79B | $393.0M | 2.72% | 4.42% | 0.12% |
| Q2 2025 | $19.57B | $15.09B | $7.87B | $2.58B | $264.0M | 2.77% | 4.38% | 0.12% |
| Q1 2025 | $18.87B | $15.00B | $7.00B | $2.40B | $137.0M | 2.92% | 4.42% | 0.10% |
| Q4 2024 | $18.65B | $14.92B | $6.40B | $2.16B | $580.0M | 3.31% | 4.09% | 0.14% |
| Q3 2024 | $18.18B | $14.56B | $6.09B | $2.15B | $415.0M | 3.21% | 4.07% | 0.10% |
Loan mix (Q2 2026): real estate $6.41B · commercial $1.11B · consumer $2.22B · securities $9.11B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Optum Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.55% | 1.23% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 11.3% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.55% | 87th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 25.7% | 54.9% | 7th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Optum Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Optum Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Optum Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Optum Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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