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
Unfavorable gap of $106.0M · efficiency ratio beats 94% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.51% | 1.00% | 1.26% | 1.54% | Beats 94% | 9 / 144 | |
| Return on Equity | 16.91% | 8.98% | 11.34% | 14.40% | Beats 84% | 23 / 144 | |
| Net Interest Margin | 4.25% | 2.82% | 3.31% | 3.68% | Beats 87% | 19 / 144 | |
| Efficiency Ratio | 29.17% | 49.42% | 56.02% | 62.41% | Beats 94% | 10 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.48% | 0.73% | 1.07% | Beats 91% | 14 / 142 | |
| Net Charge-Offs / Loans | 0.12% | 0.05% | 0.11% | 0.22% | Beats 48% | 75 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 17.86% | 12.07% | 12.98% | 14.92% | Beats 88% | 17 / 144 | |
| Total Risk-Based Capital Ratio | 18.66% | 13.39% | 14.14% | 16.25% | Beats 88% | 17 / 144 | |
| Equity / Assets | 14.85% | 9.69% | 11.39% | 12.96% | Beats 90% | 15 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 60.24% | 75.72% | 84.92% | 91.56% | 8th pctl | 131 / 143 | |
| Loans / Assets | 46.43% | 59.83% | 69.07% | 74.80% | 12th pctl | 127 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |