TellerScore

Headquartered in Draper, Utah, Optum Bank, Inc. is a state-chartered bank with $21.4B in total assets and $16.5B in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 2003.

Based on its Q2 2026 filing, Optum Bank, Inc. scores 93/100, which we describe as very strong. That is higher than 100% of 132 banks with $10 billion – $100 billion. Among 45 banks headquartered in Utah, it ranks 2nd. Its strongest component is earnings (100/100; 2.55%), and its lowest is capital cushion (82/100; 13.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Tier 1 leverage ratio: 13.22%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.21%
Earnings100/100
Return on assets (annualized): 2.55%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 59.7% · 3.8% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.89%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (88 → 93), mostly because the capital cushion component improved by 16 points.

TellerScore
828893Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202489
Q3 202482
Q4 202484
Q1 202587
Q2 202588
Q3 202589
Q4 202590
Q1 202691
Q2 202693
Tier 1 leverage ratio
5.00%9.11%13.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202412.41%
Q3 20249.92%
Q4 202410.63%
Q1 202510.96%
Q2 202511.56%
Q3 202511.97%
Q4 202512.35%
Q1 202612.79%
Q2 202613.22%
Noncurrent loans
0.14%0.22%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.29%
Q3 20240.29%
Q4 20240.28%
Q1 20250.14%
Q2 20250.19%
Q3 20250.19%
Q4 20250.20%
Q1 20260.21%
Q2 20260.21%
Return on assets
2.55%2.93%3.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20243.17%
Q3 20243.21%
Q4 20243.31%
Q1 20252.92%
Q2 20252.77%
Q3 20252.72%
Q4 20252.69%
Q1 20262.93%
Q2 20262.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$21.4B13.22%0.21%2.55%59.7%
Q1 202691$21.0B12.79%0.21%2.93%57.9%
Q4 202590$20.8B12.35%0.20%2.69%55.3%
Q3 202589$20.1B11.97%0.19%2.72%53.7%
Q2 202588$19.6B11.56%0.19%2.77%52.2%
Q1 202587$18.9B10.96%0.14%2.92%46.7%
Q4 202484$18.6B10.63%0.28%3.31%42.9%
Q3 202482$18.2B9.92%0.29%3.21%41.8%
Q2 202489$17.1B12.41%0.29%3.17%41.2%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.22%
94th
Total risk-based capital18.66%
90th
Problem loans0.21%
89th
Net charge-offs0.23%
30th
Return on assets2.55%
96th
Net interest margin4.50%
88th
Efficiency ratio25.7%
92nd
Loans to deposits59.7%
92nd
Uninsured deposits3.8%
94th
Loan-loss reserves0.92%
26th
Texas ratio0.9%
92nd

Similar-size banks in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Sallie Mae BankBank Salt Lake City, UT74 out of 100, Strong$28.5B10.2%0.65%vs
Comenity Capital BankBank Draper, UT58 out of 100, Moderate$13.9B12.8%3.21%vs
BMW Bank of North AmericaBank Salt Lake City, UT87 out of 100, Very strong$13.8B13.2%0.09%vs
Happen Bank, National AssociationBank Lehi, UT79 out of 100, Strong$12.5B11.0%0.82%vs
WEX BankBank Sandy, UT78 out of 100, Strong$10.7B8.9%0.44%vs
SoFi Bank, National AssociationBank Cottonwood Heights, UT88 out of 100, Very strong$56.8B13.3%0.08%vs

Deposit insurance

Is my money safe at Optum Bank, Inc.?

Yes. Optum Bank, Inc. is an FDIC-insured institution (FDIC certificate #57408). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 3.8% of deposits ($625.0M) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.22%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.66% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Optum Bank, Inc. lists 1 office in 1 city. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 654 consumer complaints about OPTUM BANK, INC. to the company (249 in the last 12 months). 97.9% received a timely response. That is 39.6 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

Identity & history

Profile

Legal name
Optum Bank, Inc.
Former names
Exante Bank, Inc.; OptumHealth Bank, Inc.
Type
State-chartered bank
FDIC certificate #
57408
RSSD ID
3202702
Primary regulator
FDIC
Established
July 21, 2003
Headquarters
12921 S Vista Station Blvd, Draper, UT 84020
Employees
863

Quick answers

Optum Bank, Inc.: common questions

Is Optum Bank, Inc. FDIC insured?

Yes. Optum Bank, Inc. is an FDIC-insured institution (FDIC certificate #57408). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Optum Bank, Inc.'s TellerScore?

93 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Optum Bank, Inc. ever failed?

There is no failure record for FDIC certificate #57408 in the FDIC failed bank list.

How many branches does Optum Bank, Inc. have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Draper

InstitutionScoreAssetsCapitalProblem loansCompare
Uintah Credit UnionCredit union Vernal, UT100 out of 100, Very strong$3.9M21.3%0.00%vs
Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA93 out of 100, Very strong$26.8M20.1%0.41%vs
Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT93 out of 100, Very strong$166K99.9%—vs
Wiremen'S Credit UnionCredit union Parma, OH92 out of 100, Very strong$40.6M17.0%0.11%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Trinity Valley Teachers Credit UnionCredit union Palestine, TX91 out of 100, Very strong$31.6M31.3%0.59%vs