Optum Bank, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 1177.78 percentage points in Q2 2026, from 2200.00% to 1022.22%. It was the largest change from Q1 2026 among the key lines here. Within Utah, Optum Bank, Inc. is 17th of 44 on return on assets, 2.14% as of Q2 2026, above the middle of the field. Against a median of 1.30% for banks in the $10B-100B asset tier, Optum Bank, Inc. reported 2.14% on return on assets in Q2 2026, 0.85 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.86% |
| Tier 1 risk-based capital ratio | 17.86% |
| Total risk-based capital ratio | 18.66% |
| Tier 1 leverage ratio | 13.22% |
| Equity capital to assets | 14.85% |
| Tangible equity to tangible assets | 11.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 1.35% |
| Allowance for credit losses to loans | 0.92% |
| Reserve coverage of non-performing loans | 1022.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.14% |
| Return on equity | 14.84% |
| Net interest margin | 4.33% |
| Efficiency ratio | 28.22% |
| Yield on earning assets | 4.89% |
| Cost of funds | 0.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.24% |
| Core deposits to total deposits | 87.70% |
| Brokered deposits to total deposits | 12.30% |
| Deposits to assets | 77.08% |
| Securities to assets | 42.49% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.37% | 19.37% | 19.76% | 12.74% | 2.47% |
| Q4 2023 | 17.77% | 17.77% | 18.20% | 11.46% | 2.78% |
| Q1 2024 | 17.96% | 17.96% | 18.39% | 11.65% | 2.86% |
| Q2 2024 | 18.64% | 18.64% | 19.05% | 12.41% | 3.08% |
| Q3 2024 | 14.41% | 14.41% | 15.67% | 9.92% | 3.19% |
| Q4 2024 | 15.07% | 15.07% | 16.29% | 10.63% | 3.52% |
| Q1 2025 | 15.65% | 15.65% | 16.70% | 10.96% | 2.80% |
| Q2 2025 | 15.77% | 15.77% | 16.71% | 11.56% | 2.58% |
| Q3 2025 | 16.32% | 16.32% | 17.22% | 11.97% | 2.56% |
| Q4 2025 | 16.97% | 16.97% | 17.77% | 12.35% | 2.60% |
| Q1 2026 | 17.52% | 17.52% | 18.35% | 12.79% | 2.86% |
| Q2 2026 | 17.86% | 17.86% | 18.66% | 13.22% | 2.14% |
Optum Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Optum Bank, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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.
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