Optum Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Optum Bank, Inc. of Draper, UT against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.14% | 1.38% | +0.76% | 94th top |
| ROAE | 14.84% | 12.21% | +2.63% | 78th top |
| Net Interest Margin | 4.33% | 3.81% | +0.52% | 88th top |
| Efficiency Ratio | 28.22% | 54.43% | -26.21% | 95th top |
| PPNR / Avg Assets | 3.34% | 2.03% | +1.31% | 94th top |
| Yield on Earning Assets | 4.89% | 5.72% | -0.83% | 21st bottom |
| Cost of Funds | 0.69% | 2.04% | -1.35% | 98th top |
| Net Interest Spread | 4.07% | 3.12% | +0.95% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.99% | -0.90% | 95th top |
| NPA / Total Assets | 0.08% | 0.72% | -0.64% | 93rd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.25% | 0.33% | -0.08% | 28th below |
| ACL / Total Loans | 0.92% | 1.39% | -0.47% | 20th bottom |
| ACL / NPLs (Coverage) | 1022.22% | 229.22% | +793.00% | — |
| Texas Ratio | 1.35% | 8.93% | -7.58% | 91st top |
| Provision / NCO | 281.82% | 121.96% | +159.86% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.86% | 15.63% | +2.23% | 89th top |
| Tier 1 Ratio | 17.86% | 15.76% | +2.10% | 89th top |
| Total Capital Ratio | 18.66% | 16.89% | +1.77% | 88th top |
| Leverage Ratio | 13.22% | 10.48% | +2.74% | 94th top |
| Equity / Assets | 14.85% | 11.69% | +3.16% | 88th top |
| TCE / Tangible Assets | 11.41% | 9.71% | +1.70% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.24% | 84.76% | -24.52% | 93rd top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.70% | 86.61% | +1.09% | 36th below |
| Uninsured Deposit Ratio | 3.78% | 37.09% | -33.31% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.50% | 11.95% | -2.45% | 72nd above |
| Loan Growth (Y/Y) | 25.31% | 11.25% | +14.06% | 89th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.48% | 11.35% | -1.87% | 68th above |
See Optum Bank, Inc.'s peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Optum Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Optum Bank, Inc. profile, how to read a UBPR, or how this data updates.