Side-by-side · Q2 2026 data
First Electronic Bank vs Optum Bank, Inc.
Metric by metric
| Measure | First Electronic Bank | Optum Bank, Inc. |
|---|---|---|
| TellerScore | 91 | 93 (stronger) |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 100 | 100 |
| Funding & liquidity | 39 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 96th | 100th |
| Total assets | $502.9M | $21.4B |
| Deposits / shares | $285.6M | $16.5B |
| Capital ratio | 46.82% (stronger) | 13.22% |
| Problem loans | 0.01% (stronger) | 0.21% |
| Net charge-offs | 0.11% (stronger) | 0.23% |
| Return on assets | 7.94% (stronger) | 2.55% |
| Loans ÷ deposits | 71.1% | 59.7% (stronger) |
| Uninsured deposits | 98.3% | 3.8% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | 654 |
| Complaints per $1B deposits | — | 39.6 |
| Mortgage denial rate (HMDA) | — | — |
Optum Bank, Inc. has the higher TellerScore (93 vs 91). On the 7 directional measures above (where higher or lower is clearly better), First Electronic Bank leads on 4 and Optum Bank, Inc. on 3. 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.