Optum Bank, Inc.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Total interest expense: 20.8% higher than in Q1 2026, at $29.0M. Within Utah, Optum Bank, Inc. is 31st of 44 on net interest margin, 4.33% as of Q2 2026, below the middle of the field. Optum Bank, Inc. reported 4.33% on net interest margin for Q2 2026, 0.73 points above the 3.60% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.89% |
| Yield on loans | 6.40% |
| Yield on securities | 3.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.69% |
| Cost of interest-bearing deposits | 0.82% |
| Cost of interest-bearing liabilities | 0.82% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 4.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $156.0M |
| Total interest expense | $29.0M |
| Interest expense on deposits | $29.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.51% | 0.08% | 3.44% | 5.03% | 2.77% |
| Q4 2023 | 3.76% | 0.15% | 3.62% | 5.31% | 2.95% |
| Q1 2024 | 3.86% | 0.20% | 3.68% | 5.40% | 2.96% |
| Q2 2024 | 3.93% | 0.17% | 3.77% | 5.56% | 2.98% |
| Q3 2024 | 4.26% | 0.30% | 3.98% | 5.57% | 3.01% |
| Q4 2024 | 4.29% | 0.35% | 3.99% | 6.22% | 2.99% |
| Q1 2025 | 4.45% | 0.37% | 4.15% | 6.14% | 3.07% |
| Q2 2025 | 4.59% | 0.47% | 4.20% | 6.28% | 3.16% |
| Q3 2025 | 4.76% | 0.54% | 4.32% | 6.47% | 3.13% |
| Q4 2025 | 4.68% | 0.59% | 4.19% | 6.23% | 3.13% |
| Q1 2026 | 4.81% | 0.58% | 4.34% | 6.43% | 3.23% |
| Q2 2026 | 4.89% | 0.69% | 4.33% | 6.40% | 3.34% |
Optum Bank, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Optum Bank, Inc., freeSource: Call Report Schedules RI and RC-K, 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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