Side-by-side · Q2 2026 data
BMW Bank of North America vs Optum Bank, Inc.
Metric by metric
| Measure | BMW Bank of North America | Optum Bank, Inc. |
|---|---|---|
| TellerScore | 87 | 93 (stronger) |
| Capital cushion | 82 | 82 |
| Loan quality | 97 (stronger) | 93 |
| Earnings | 100 | 100 |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 98th | 100th |
| Total assets | $13.8B | $21.4B |
| Deposits / shares | $9.5B | $16.5B |
| Capital ratio | 13.24% (stronger) | 13.22% |
| Problem loans | 0.09% (stronger) | 0.21% |
| Net charge-offs | 0.20% (stronger) | 0.23% |
| Return on assets | 2.29% | 2.55% (stronger) |
| Loans ÷ deposits | 106.9% | 59.7% (stronger) |
| Uninsured deposits | 3.4% (stronger) | 3.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | 652 |
| Complaints per $1B deposits | — | 39.5 |
| Mortgage denial rate (HMDA) | — | — |
Optum Bank, Inc. has the higher TellerScore (93 vs 87). On the 7 directional measures above (where higher or lower is clearly better), BMW Bank of North America leads on 4 and Optum Bank, Inc. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.