Optum Bank, Inc.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 10.66% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 10.66% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 17.86% +11.36 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $2.76B | 2,759,000 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $15.45B | 15,447,600 | RCOAA223 |
| Recomputed ratio | 17.86% | numerator / denominator | |
| Filed ratio | 17.86% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +11.36 pp | $1.75B | capital that could be lost first |
Tier 1 risk-based capital ratio 17.86% +9.86 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $2.76B | 2,759,000 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $15.45B | 15,447,600 | RCOAA223 |
| Recomputed ratio | 17.86% | numerator / denominator | |
| Filed ratio | 17.86% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.86 pp | $1.52B | capital that could be lost first |
Total risk-based capital ratio 18.66% +8.66 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $2.88B | 2,883,000 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $15.45B | 15,447,600 | RCOAA223 |
| Recomputed ratio | 18.66% | numerator / denominator | |
| Filed ratio | 18.66% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.66 pp | $1.34B | capital that could be lost first |
Tier 1 leverage ratio 13.22% +8.22 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $2.76B | 2,759,000 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $20.88B | 20,876,000 | RCOAA224 |
| Recomputed ratio | 13.22% | numerator / denominator | |
| Filed ratio | 13.22% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.22 pp | $1.72B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 422,000 | 421,000 | 421,000 | 421,000 | 420,000 | 420,000 | RCOAP742 |
| Retained earnings | 3,130,000 | 3,014,000 | 2,861,000 | 2,726,000 | 2,597,000 | 2,470,000 | RCOAKW00 |
| Accumulated other comprehensive income | (370,000) | (362,000) | (327,000) | (359,000) | (435,000) | (491,000) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 3,182,000 | 3,073,000 | 2,955,000 | 2,788,000 | 2,582,000 | 2,399,000 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (423,000) | (443,000) | (491,000) | (470,000) | (407,000) | (348,000) | P859 - P840 |
| Common equity Tier 1 capital | 2,759,000 | 2,630,000 | 2,464,000 | 2,318,000 | 2,175,000 | 2,051,000 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 2,759,000 | 2,630,000 | 2,464,000 | 2,318,000 | 2,175,000 | 2,051,000 | RCOA8274 |
| Tier 2 capital | 124,000 | 125,000 | 116,000 | 127,000 | 129,000 | 137,000 | RCOA5311 |
| Allowance includable in Tier 2 capital | 124,000 | 125,000 | 116,000 | 127,000 | 129,000 | 137,000 | RCOA5310 |
| Total capital | 2,883,000 | 2,755,000 | 2,580,000 | 2,445,000 | 2,304,000 | 2,188,000 | RCOA3792 |
| Total risk-weighted assets | 15,447,600 | 15,009,900 | 14,522,400 | 14,199,900 | 13,787,900 | 13,102,000 | RCOAA223 |
| Average total assets for the leverage ratio | 20,876,000 | 20,570,000 | 19,957,000 | 19,363,000 | 18,818,000 | 18,716,000 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $1.11B | $16.8M | 1.52% | 0.11% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $7.65B | $4.23B | 55.26% | 27.35% | RC-R Part II, item 2.a, 2.b |
| Loans: past due and nonaccrual | $21.0M | $31.5M | 150.00% | 0.20% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $9.93B | $9.93B | 100.00% | 64.28% | RC-R Part II, item 4.d, 5.d |
| All other assets | $531.0M | $523.0M | 98.49% | 3.39% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $197.0M | $197.0M | 100.00% | 1.28% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $525.0M | NA | 3.40% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $14.92B | ties to item 31 ($14.92B) |
|---|---|---|
| Risk-weighted assets before deductions | $15.45B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $15.45B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 17.86% | 17.86% | 18.66% | 13.22% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 17.52% | 17.52% | 18.35% | 12.79% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 16.97% | 16.97% | 17.77% | 12.35% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 16.32% | 16.32% | 17.22% | 11.97% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 15.77% | 15.77% | 16.71% | 11.56% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 15.65% | 15.65% | 16.70% | 10.96% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 15.07% | 15.07% | 16.29% | 10.63% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 14.41% | 14.41% | 15.67% | 9.92% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 18.64% | 18.64% | 19.05% | 12.41% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 17.96% | 17.96% | 18.39% | 11.65% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 17.77% | 17.77% | 18.20% | 11.46% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 19.37% | 19.37% | 19.76% | 12.74% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Optum Bank, Inc. (this bank) | Risk-based | 17.86% | 17.86% | 18.66% | 13.22% | |
| Seacoast National Bank | $21.34B | Risk-based | 13.55% | 13.55% | 14.80% | 9.84% |
| First Merchants Bank | $21.32B | Risk-based | 11.50% | 11.50% | 12.75% | 9.96% |
| Mechanics Bank | $21.25B | Risk-based | 15.48% | 15.48% | 16.74% | 9.38% |
| Citizens Business Bank, N.A. | $21.18B | Risk-based | 14.33% | 14.33% | 14.94% | 11.41% |
| Merchants Bank of Indiana | $21.17B | Risk-based | 11.76% | 11.76% | 12.18% | 11.28% |
| Beacon Bank & Trust | $22.20B | Risk-based | 11.77% | 11.77% | 12.86% | 9.83% |
| First Financial Bank | $22.35B | Risk-based | 12.77% | 12.78% | 14.05% | 9.78% |
| The Central Trust Bank | $20.31B | Risk-based | 12.69% | 12.69% | 13.89% | 7.94% |
| Wilmington Savings Fund Society, FSB | $22.57B | Risk-based | 13.77% | 13.77% | 14.94% | 10.36% |
| TowneBank | $22.62B | Risk-based | 12.16% | 12.20% | 14.63% | 10.00% |
| Peer 25th percentile | 11.87% | 11.88% | 13.12% | 9.79% | ||
| Peer median | 12.73% | 12.73% | 14.34% | 9.90% | ||
| Peer 75th percentile | 13.72% | 13.72% | 14.91% | 10.27% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/3202702/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.