BanksOPTUM BANK, INC.

OPTUM BANK, INC.

DRAPER, UTRegionalEst. July 21, 2003, midnightFDIC #57408RSSD #3202702FDIC
Latest · 2025-12-31

OPTUM BANK, INC. is an 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%. CET1 capital ratio: 16.97%, well above regulatory minimums. NPL ratio: 0.03% · Texas Ratio: 0.36%. Operates 1 domestic branch.

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 Margin4.40%
Yield on Assets4.91%
Cost of Funds0.60%

Asset Quality

NPL Ratio0.03%
Net Charge-Off Ratio0.29%
Texas Ratio0.36%
NPA Ratio0.05%
ACL / Loans0.81%

Capital & Liquidity

CET1 Ratio16.97%
Tier 1 Capital16.97%
Total Capital Ratio17.77%
Leverage Ratio12.35%
Loan-to-Deposit55.72%

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