Optum Bank, Inc.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Core deposits to total deposits dropped 2.08 percentage points in Q2 2026, from 89.77% to 87.70%. It was the largest change from Q1 2026 among the key lines here. Optum Bank, Inc. ranks 36th of 44 Utah banks on loan-to-deposit ratio, in the lower half at 60.24% (Q2 2026). Optum Bank, Inc. reported 60.24% on loan-to-deposit ratio for Q2 2026, 26.60 points below the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.11B |
| Cash and noninterest-bearing balances to assets | 5.17% |
| Cash and securities | $10.21B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.24% |
| Net loans and leases to deposits | 59.68% |
| Loans and leases to core deposits | 60.24% |
| Core deposits to total deposits | 87.70% |
| Brokered deposits to total deposits | 12.30% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 35.09% | 98.62% | $0 | $0 |
| Q4 2023 | 35.54% | 96.87% | $0 | $0 |
| Q1 2024 | 37.46% | 97.23% | $0 | $0 |
| Q2 2024 | 41.53% | 97.52% | $0 | $0 |
| Q3 2024 | 42.44% | 94.70% | $0 | $0 |
| Q4 2024 | 43.43% | 92.76% | $0 | $0 |
| Q1 2025 | 47.17% | 93.83% | $0 | $0 |
| Q2 2025 | 52.62% | 92.27% | $0 | $0 |
| Q3 2025 | 54.16% | 90.20% | $0 | $0 |
| Q4 2025 | 55.72% | 90.07% | $0 | $0 |
| Q1 2026 | 58.43% | 89.77% | $0 | $0 |
| Q2 2026 | 60.24% | 87.70% | $0 | $0 |
Optum Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Optum Bank, Inc., freeSource: Call Report Schedules RC and RC-M, 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)