OPTUM BANK, INC.

DRAPER, UT | Regional | Est. July 21, 2003, midnight | FDIC #57408 | RSSD #3202702 | FDIC
Latest Report: 2025-12-31

OPTUM BANK, INC. is arn regional FDIC-insured commercial bank headquartered in DRAPER, UT, established in July 21, 2003, midnight. As of 2025-12-31, the bank reported total assets of $20.8B and total deposits of $16.0B. Profitability stands at 2.64% ROA and 18.81% ROE, with a net interest margin of 4.40%. The bank's CET1 capital ratio is 16.97%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.36%. FDIC Certificate #57408.

Assets

$20.8B

Deposits

$16.0B

Loans

$8.9B

Equity

$3.0B

Profitability

Return on Assets (ROA) 2.64%
Return on Equity (ROE) 18.81%
Net Interest Margin (NIM) 4.40%
Yield on Assets 4.91%
Cost of Funds 0.62%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.29%
Texas Ratio 0.36%
NPA Ratio 0.05%
ACL / Loans 0.81%

Capital & Liquidity

CET1 Ratio 16.97%
Tier 1 Capital 16.97%
Total Capital Ratio 17.77%
Leverage Ratio 12.35%
Loan-to-Deposit 55.72%

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