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Optum Bank, Inc.

Draper, UT · Cert 57408

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

89

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

94

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Optum Bank, Inc.

Draper, UT · Cert 57408

State charter, non-member · FDIC · 1 branch

Q2 2026

$21.4BAssets
$9.9BLoans
$16.5BDeposits
$3.2BEquity
Loan mix
65%RE $6.0B11%C&I $1.0B24%Consumer $2.2BQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $14.2B14%Noninterest $2.3BQ2 2025Q2 2026

NIM

3.81%Q2 ’244.26%Q2 ’254.59%Q2 ’26+12%+3%

Non-interest income vs. expense

1.18%Q2 ’241.53%Q2 ’251.49%Q2 ’26+216%+153%

Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 1.4% share · #10 of 57 inst. · $16.5B of $1175.7B

Executive Summary

  • Earnings: ROA of 2.55%, down 22 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.21% of loans (+2 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 13.22%, up 166 bps from a year ago.
  • Funding: loans stand at 60.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.55%-22 bps YoY

Net Interest Margin (YTD, annualized)

4.25%+14 bps YoY

Efficiency Ratio (YTD, annualized)

25.72%+63 bps YoY

Tier 1 Leverage Ratio

13.22%+166 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.77%2.72%2.69%2.93%2.55%-22 bps
Return on Equity22.18%21.11%20.49%20.31%17.52%-466 bps
Net Interest Margin4.11%4.09%4.01%4.30%4.25%+14 bps
Efficiency Ratio25.10%25.97%26.29%23.34%25.72%+63 bps
Non-Interest Burden0.19%0.34%0.40%0.21%0.49%+30 bps
Growth
Asset Growth (YoY)14.58%10.57%11.64%11.28%9.50%-509 bps
Loan Growth (YoY)34.83%38.51%37.92%34.18%25.31%-951 bps
Deposit Growth (YoY)6.40%8.53%7.50%8.32%9.48%+308 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.19%0.20%0.21%0.21%+2 bps
Net Charge-Offs / Loans0.38%0.34%0.29%0.21%0.22%-16 bps
Allowance / Loans0.89%0.89%0.81%0.93%0.92%+3 bps
Allowance Coverage of NPLs4.7x4.8x4.0x4.4x4.4x-0.4x
Capital
Tier 1 Leverage Ratio11.56%11.97%12.35%12.79%13.22%+166 bps
Total Risk-Based Capital16.71%17.22%17.77%18.35%18.66%+195 bps
Equity / Assets13.19%13.87%14.19%14.64%14.85%+166 bps
Liquidity & Funding
Loans / Deposits52.62%54.16%55.72%58.43%60.24%+761 bps
Liquid Assets / Assets4.91%4.78%6.89%4.55%5.03%+12 bps
CRE / Total Capitaln/a229%225%227%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Optum Bank, Inc.

Draper, UT · Cert 57408 · Peer group: banks over $10B in assets (n=142-144)

State charter, non-member · FDIC · 1 branch

Q2 2026

$21.4BAssets
$9.9BLoans
$16.5BDeposits
$3.2BEquity

Executive Summary

  • Strongest standing: return on assets outperforms 94% of banks over $10B in assets (rank 9 of 144).
  • Widest gap: net charge-offs / loans trails 52% of banks over $10B in assets (rank 75 of 142).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.51%

Rank 9 of 144

Net Interest Margin

4.25%

Rank 19 of 144

Efficiency Ratio

29.17%

Rank 10 of 144

Equity / Assets

14.85%

Rank 15 of 144

Non-interest income vs. expense

$216.0M$322.0MINCOMEEXPENSE
Unfavorable gap of $106.0M · efficiency ratio beats 94% of banks over $10B in assets
Bank 29.17%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.51%1.00%1.26%1.54%Beats 94%9 / 144
Return on Equity16.91%8.98%11.34%14.40%Beats 84%23 / 144
Net Interest Margin4.25%2.82%3.31%3.68%Beats 87%19 / 144
Efficiency Ratio29.17%49.42%56.02%62.41%Beats 94%10 / 144
Asset Quality
Nonperforming Loans / Loans0.21%0.48%0.73%1.07%Beats 91%14 / 142
Net Charge-Offs / Loans0.12%0.05%0.11%0.22%Beats 48%75 / 142
Capital
Tier 1 Capital Ratio17.86%12.07%12.98%14.92%Beats 88%17 / 144
Total Risk-Based Capital Ratio18.66%13.39%14.14%16.25%Beats 88%17 / 144
Equity / Assets14.85%9.69%11.39%12.96%Beats 90%15 / 144
Liquidity & Funding
Loans / Deposits60.24%75.72%84.92%91.56%8th pctl131 / 143
Loans / Assets46.43%59.83%69.07%74.80%12th pctl127 / 144
Brokered Deposits / Depositsn/aNot reported for this institution