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

Deposit mix

NIM

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

Earnings: ROA of 2.19%, down 46 bps year over year; NIM at 4.27%.
Asset quality: problem loans at 0.21% of loans (+2 bps YoY), with net charge-offs at 0.24%.

Return on Assets (quarter, annualized)

2.19%-46 bps YoY

Net Interest Margin (quarter, annualized)

4.27%+13 bps YoY

Efficiency Ratio (quarter, annualized)

28.30%+282 bps YoY

Tier 1 Leverage Ratio

13.22%+166 bps YoY

Discrete quarter, annualized.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	2.64%	2.60%	2.64%	2.93%	2.19%	-46 bps
Return on Equity	20.40%	19.22%	18.81%	20.31%	14.84%	-556 bps
Net Interest Margin	4.14%	4.28%	4.15%	4.30%	4.27%	+13 bps
Efficiency Ratio	25.48%	27.73%	27.27%	23.34%	28.30%	+282 bps
Non-Interest Burden	0.26%	0.63%	0.62%	0.21%	0.78%	+51 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 / Loans	0.19%	0.19%	0.20%	0.21%	0.21%	+2 bps
Net Charge-Offs / Loans	0.40%	0.33%	0.18%	0.21%	0.24%	-16 bps
Allowance / Loans	0.89%	0.89%	0.81%	0.93%	0.92%	+3 bps
Allowance Coverage of NPLs	4.7x	4.8x	4.0x	4.4x	4.4x	-0.4x
Capital
Tier 1 Leverage Ratio	11.56%	11.97%	12.35%	12.79%	13.22%	+166 bps
Total Risk-Based Capital	16.71%	17.22%	17.77%	18.35%	18.66%	+195 bps
Equity / Assets	13.19%	13.87%	14.19%	14.64%	14.85%	+166 bps
Liquidity & Funding
Loans / Deposits	52.62%	54.16%	55.72%	58.43%	60.24%	+761 bps
Liquid Assets / Assets	4.91%	4.78%	6.89%	4.55%	5.03%	+12 bps
CRE / Total Capital	n/a	229%	225%	227%	n/a	n/a