Side-by-side · Q2 2026 data
Central Bank vs Optum Bank, Inc.
Metric by metric
| Measure | Central Bank | Optum Bank, Inc. |
|---|---|---|
| TellerScore | 89 | 93 (stronger) |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 84 | 93 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 99th | 100th |
| Total assets | $2.2B | $21.4B |
| Deposits / shares | $1.8B | $16.5B |
| Capital ratio | 15.42% (stronger) | 13.22% |
| Problem loans | 0.47% | 0.21% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.23% |
| Return on assets | 2.06% | 2.55% (stronger) |
| Loans ÷ deposits | 74.3% | 59.7% (stronger) |
| Uninsured deposits | 39.9% | 3.8% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | 652 |
| Complaints per $1B deposits | — | 39.5 |
| Mortgage denial rate (HMDA) | 3.3% | — |
Optum Bank, Inc. has the higher TellerScore (93 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Central Bank leads on 2 and Optum Bank, Inc. on 5. 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.