Optum Bank, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 6.33 percentage points in Q2 2026, from 217.59% to 223.92%. 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). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Optum Bank, Inc. sits 26.60 points lower, at 60.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $9.95B |
| Net loans and leases | $9.86B |
| Loans held for sale | $25.0M |
| Loans to total assets | 46.43% |
| Loan-to-deposit ratio | 60.24% |
| Net loans to equity capital | 3.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.97% |
| Multifamily (5+ residential) | 20.58% |
| Commercial and industrial | 11.17% |
| Consumer | 22.28% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 223.92% |
| Construction concentration (Tier 1 capital + allowance) | 3.09% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $156.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.77B | $13.60B | 46.97% | 7.82% | 12.39% |
| Q4 2023 | $4.97B | $13.97B | 47.29% | 8.27% | 10.93% |
| Q1 2024 | $5.42B | $14.46B | 47.91% | 8.21% | 11.09% |
| Q2 2024 | $5.89B | $14.18B | 47.16% | 9.56% | 12.02% |
| Q3 2024 | $6.18B | $14.56B | 46.15% | 10.81% | 12.50% |
| Q4 2024 | $6.48B | $14.92B | 45.96% | 9.89% | 15.28% |
| Q1 2025 | $7.07B | $15.00B | 43.79% | 9.85% | 18.43% |
| Q2 2025 | $7.94B | $15.09B | 41.89% | 10.64% | 21.15% |
| Q3 2025 | $8.56B | $15.80B | 42.07% | 10.13% | 22.96% |
| Q4 2025 | $8.94B | $16.04B | 42.32% | 10.27% | 22.97% |
| Q1 2026 | $9.49B | $16.24B | 41.89% | 11.03% | 23.46% |
| Q2 2026 | $9.95B | $16.52B | 42.97% | 11.17% | 22.28% |
Optum Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Optum Bank, Inc., freeSource: Call Report Schedule RC-C, 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)