Side-by-side · Q2 2026 data
B2 Bank National Association vs Optum Bank, Inc.
Metric by metric
| Measure | B2 Bank National Association | Optum Bank, Inc. |
|---|---|---|
| TellerScore | 57 | 93 (stronger) |
| Capital cushion | 87 (stronger) | 82 |
| Loan quality | 31 | 93 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 14th | 100th |
| Total assets | $114.6M | $21.4B |
| Deposits / shares | $103.8M | $16.5B |
| Capital ratio | 13.66% (stronger) | 13.22% |
| Problem loans | 2.07% | 0.21% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.23% |
| Return on assets | -1.47% | 2.55% (stronger) |
| Loans ÷ deposits | 36.9% (stronger) | 59.7% |
| Uninsured deposits | 10.1% | 3.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | 651 |
| Complaints per $1B deposits | — | 39.4 |
| Mortgage denial rate (HMDA) | — | — |
Optum Bank, Inc. has the higher TellerScore (93 vs 57). On the 7 directional measures above (where higher or lower is clearly better), B2 Bank National Association leads on 3 and Optum Bank, Inc. on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.