| 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
| 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 | 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% |
Peer lists, growth filters, CSV export, CRM push.
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% |
| 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% |
| Ratio | Optum Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
Optum Bank, Inc. is in an open deal as the acquirer: Optum Bank, Inc.: internal reorganization (pending, filed Aug 26, 2026). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Aug 26, 2026 | Acquirer | — | Reorganization | Pending | FDIC |
1 branches in 1 county across 1 state (+0 vs 2025) · $16.52B branch deposits. Biggest market: Salt Lake, UT, ranked 10th with 1.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $16.52B | 1.38% | 10th |
Utah: 11th with 1.29% · Salt Lake City-Murray metro: 10th, 1.38% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (22 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).