Side-by-side · Q2 2026 data
Happen Bank, National Association vs Optum Bank, Inc.
Metric by metric
| Measure | Happen Bank, National Association | Optum Bank, Inc. |
|---|---|---|
| TellerScore | 79 | 93 (stronger) |
| Capital cushion | 60 | 82 (stronger) |
| Loan quality | 73 | 93 (stronger) |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 94th | 100th |
| Total assets | $12.5B | $21.4B |
| Deposits / shares | $10.9B | $16.5B |
| Capital ratio | 10.98% | 13.22% (stronger) |
| Problem loans | 0.82% | 0.21% (stronger) |
| Net charge-offs | 2.15% | 0.23% (stronger) |
| Return on assets | 1.82% | 2.55% (stronger) |
| Loans ÷ deposits | 63.1% | 59.7% (stronger) |
| Uninsured deposits | 12.0% | 3.8% (stronger) |
| 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 79). On the 7 directional measures above (where higher or lower is clearly better), Happen Bank, National Association leads on 0 and Optum Bank, Inc. on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.