Optum Bank, Inc.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Common equity Tier 1 capital rose 4.9% in Q2 2026 to $2.76B, the biggest move on this page. Optum Bank, Inc. ranks 11th of 28 Utah banks on CET1 ratio, in the upper half at 17.86% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Optum Bank, Inc. sits 4.90 points higher, at 17.86% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.86% |
| Tier 1 risk-based capital ratio | 17.86% |
| Total risk-based capital ratio | 18.66% |
| Tier 1 leverage ratio | 13.22% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.76B |
| Tier 1 capital | $2.76B |
| Total risk-based capital | $2.88B |
| Total equity capital | $3.18B |
| Risk-weighted assets | $15.45B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.85% |
| Tangible equity to tangible assets | 11.41% |
| Equity capital to average assets | 14.68% |
| Internal capital growth rate | 15.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $422.0M |
| Retained earnings | $3.13B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$370.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 19.37% | 19.37% | 19.76% | 12.74% | $10.91B |
| Q4 2023 | 17.77% | 17.77% | 18.20% | 11.46% | $10.91B |
| Q1 2024 | 17.96% | 17.96% | 18.39% | 11.65% | $11.53B |
| Q2 2024 | 18.64% | 18.64% | 19.05% | 12.41% | $11.88B |
| Q3 2024 | 14.41% | 14.41% | 15.67% | 9.92% | $12.08B |
| Q4 2024 | 15.07% | 15.07% | 16.29% | 10.63% | $12.63B |
| Q1 2025 | 15.65% | 15.65% | 16.70% | 10.96% | $13.10B |
| Q2 2025 | 15.77% | 15.77% | 16.71% | 11.56% | $13.79B |
| Q3 2025 | 16.32% | 16.32% | 17.22% | 11.97% | $14.20B |
| Q4 2025 | 16.97% | 16.97% | 17.77% | 12.35% | $14.52B |
| Q1 2026 | 17.52% | 17.52% | 18.35% | 12.79% | $15.01B |
| Q2 2026 | 17.86% | 17.86% | 18.66% | 13.22% | $15.45B |
Optum Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Optum Bank, Inc., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Optum Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57408) · FFIEC NIC profile (RSSD 3202702)