Optum Bank, Inc.
Optum Bank, Inc. reported total assets of $21.4 bn at Q2 2026, up 9.5% on a year earlier, the 98th largest of 497 banks in our US coverage. The CET1 capital ratio at Optum Bank, Inc. was 17.86%, and the uninsured share of Optum Bank, Inc. was 3.78%. Source: FDIC Call Reports.
Key takeaways
- Optum Bank, Inc. reports one of the lowest uninsured share of domestic deposits readings among banks of $10 bn to $100 bn: 3.78% at , where the median of the 126 banks is 38.56% (FDIC Call Reports).
- At 2.55%, the return on assets (ROA) of Optum Bank, Inc. sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 1.25% (FDIC Call Reports).
- Among the 126 banks of $10 bn to $100 bn, few report a lower efficiency ratio than Optum Bank, Inc., at 25.72% in ; the group median is 55.14% (FDIC Call Reports).
What sets Optum Bank, Inc. apart
- On common equity tier 1 (CET1) ratio, Optum Bank, Inc. climbed from 93rd to 54th among 448 US banks between and (1 = highest).
- Optum Bank, Inc. has one of the highest tier 1 leverage ratio readings among banks of $10 bn to $100 bn: 13.22% at , against a median of 10.25% across 126 banks.
- The loan-to-deposit ratio of Optum Bank, Inc., 59.68% at , places Optum Bank, Inc. in the bottom tenth of banks of $10 bn to $100 bn (group median 85.69%).
How large is Optum Bank, Inc.?
The balance sheet of Optum Bank, Inc. at : assets $21.4 bn, deposits $16.5 bn, net loans $9.9 bn (loans equal to 59.68% of deposits). Securities make up 42.5% of total assets at Optum Bank, Inc.. Since , when Optum Bank, Inc. held $5.0 bn, its assets grew 325.1%. In the year to , deposits at Optum Bank, Inc. rose 9.5% while its total assets rose 9.5%. At , Optum Bank, Inc. employed 863 full-time equivalent staff across 1 office, about $24.8 mn of assets per employee and $16.5 bn of deposits per office.
How much funding at Optum Bank, Inc. is uninsured?
At Optum Bank, Inc., uninsured deposits (above the FDIC limit) made up 3.78% of domestic deposits at (+1.87 pp on a year earlier); Optum Bank, Inc. ranks 487th of 500 on this measure. In dollars, Optum Bank, Inc. estimated $625.0 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $16.5 bn | +9.5% | 103rd of 499 |
| Net loans and leases | $9.9 bn | +25.3% | 127th of 500 |
| Loan-to-deposit ratio | 59.68% | +7.53 pp | 458th of 500 |
| Tier 1 leverage ratio | 13.22% | +1.66 pp | 49th of 500 |
| Total risk-based capital ratio | 18.66% | +1.95 pp | 58th of 448 |
| Net interest margin | 4.50% | +0.12 pp | 61st of 500 |
| Return on assets (ROA) | 2.55% | -0.22 pp | 23rd of 500 |
| Efficiency ratio | 25.72% | +0.63 pp | 14th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $487.0 mn | Narrowed by $83.0 mn | |
| Noncurrent loans to total loans | 0.21% | +0.02 pp | 68th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.23% | -0.19 pp | 365th of 500 (1 = lowest) |
US rank of Optum Bank, Inc.: 1 = highest unless marked 1 = lowest.
Balance sheet
Optum Bank, Inc.: assets, deposits and loans
- Total assets $21.4bn
- Deposits $16.5bn
- Net loans $9.9bn
Capital and securities
The CET1 ratio of Optum Bank, Inc. stood at 17.86% in , +2.09 pp year on year. Low and high at Optum Bank, Inc. since : 13.75% () to 23.00% (). Equity capital of Optum Bank, Inc. at : $3.2 bn, or 14.8% of total assets. Optum Bank, Inc. also reported a total capital ratio of 18.66% for , and a tier 1 leverage ratio of 13.22%.
The available-for-sale portfolio of Optum Bank, Inc. showed an unrealized loss of $487.0 mn at ; the loss narrowed by $83.0 mn over the year.
Optum Bank, Inc.: capital ratios
- Total capital 19%
- CET1 18%
- Tier 1 leverage 13%
Optum Bank, Inc.: unrealized securities gains and losses
- Available for sale -$487mn
- Held to maturity $0
Profitability and loan quality
For the year to , Optum Bank, Inc. earned a return on equity of 17.52%; return on assets: 2.55%. Net interest margin at Optum Bank, Inc.: 4.50%, +0.12 pp in a year. Optum Bank, Inc. net income: $269.0 mn, up 1.9% year on year. The efficiency ratio of Optum Bank, Inc. was 25.72%: about 26 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.21% of total loans at Optum Bank, Inc.; net charge-offs: 0.23% of average loans. Gross loans and leases at Optum Bank, Inc.: $9.9 bn, up 25.3% in a year.
Optum Bank, Inc.: profitability
- Return on equity 18%
- Net interest margin 4.5%
- Return on assets 2.6%
Peer group of Optum Bank, Inc.
The peer group of Optum Bank, Inc. is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Optum Bank, Inc. (state nonmember bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Utah. Against them, Optum Bank, Inc. shows CET1 ratio 17.86% against a peer median of 13.16%, return on equity 17.52% against a peer median of 8.37% and uninsured deposit share 3.78% against a peer median of 42.39%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Wilmington Savings Fund Society, FSB | Federal savings bank | DE | $22.6 bn | 13.77% | 13.22% | 46.12% | |
| First Financial Bank | State member bank | OH | $22.4 bn | 12.77% | 11.86% | 41.88% | |
| Beacon Bank and Trust | State member bank | MA | $22.2 bn | 11.77% | 9.41% | 38.34% | |
| Optum Bank, Inc. | State nonmember bank | UT | $21.4 bn | 17.86% | 17.52% | 3.78% | |
| Seacoast National Bank | National bank | FL | $21.3 bn | 13.55% | 6.11% | 36.31% | |
| First Merchants Bank | State nonmember bank | IN | $21.3 bn | 11.50% | 6.04% | 45.36% | |
| Mechanics Bank | State nonmember bank | CA | $21.2 bn | 15.48% | 7.33% | 42.90% | |
. FDIC Call Reports.
Last eight quarters
Two years at Optum Bank, Inc., to : assets +17.9%, deposits +13.5%, equity +47.7%. Staff 722 to 863.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $18.2 bn | $18.6 bn | $18.9 bn | $19.6 bn | $20.1 bn | $20.8 bn | $21.0 bn | $21.4 bn |
| Total deposits | $14.6 bn | $14.9 bn | $15.0 bn | $15.1 bn | $15.8 bn | $16.0 bn | $16.2 bn | $16.5 bn |
| Bank equity capital | $2.2 bn | $2.2 bn | $2.4 bn | $2.6 bn | $2.8 bn | $3.0 bn | $3.1 bn | $3.2 bn |
| CET1 ratio | 14.42% | 15.07% | 15.65% | 15.77% | 16.32% | 16.97% | 17.52% | 17.86% |
| Return on equity (ROE) | 31.03% | 31.21% | 24.05% | 22.18% | 21.11% | 20.49% | 20.31% | 17.52% |
| Uninsured share of domestic deposits | 1.59% | 1.75% | 1.81% | 1.92% | 2.02% | 2.29% | 2.53% | 3.78% |
| Full-time equivalent employees | 722 | 726 | 702 | 723 | 692 | 700 | 784 | 863 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Optum Bank, Inc. appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Optum Bank, Inc.?
Optum Bank, Inc. reported $21.4 bn at in its Call Report. That makes Optum Bank, Inc. the 98th largest of 497 banks in our US coverage.
Is Optum Bank, Inc. profitable?
Optum Bank, Inc. reported net income of $269.0 mn for the year to ; annualized return on equity: 17.52%. So yes: Optum Bank, Inc. made a profit over these months.
When is data for Optum Bank, Inc. next updated?
Figures from Optum Bank, Inc. for are due after .
Where can I check the figures for Optum Bank, Inc.?
In the FDIC BankFind Suite record for certificate 57408, and in the Call Reports of Optum Bank, Inc. (RSSD ID 3202702) at the FFIEC Central Data Repository.