Side-by-side · Q2 2026 data
Optum Bank, Inc. vs UBS Bank USA, National Association
Metric by metric
| Measure | Optum Bank, Inc. | UBS Bank USA, National Association |
|---|---|---|
| TellerScore | 93 (stronger) | 64 |
| Capital cushion | 82 (stronger) | 31 |
| Loan quality | 93 | 96 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 100 (stronger) | 51 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 100th | 73rd |
| Total assets | $21.4B | $124.4B |
| Deposits / shares | $16.5B | $109.3B |
| Capital ratio | 13.22% (stronger) | 8.08% |
| Problem loans | 0.21% | 0.12% (stronger) |
| Net charge-offs | 0.23% | -0.01% (stronger) |
| Return on assets | 2.55% (stronger) | 1.09% |
| Loans ÷ deposits | 59.7% (stronger) | 85.0% |
| Uninsured deposits | 3.8% (stronger) | 37.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | 652 | 31 |
| Complaints per $1B deposits | 39.5 | 0.3 (stronger) |
| Mortgage denial rate (HMDA) | — | 7.7% |
Optum Bank, Inc. has the higher TellerScore (93 vs 64). On the 8 directional measures above (where higher or lower is clearly better), Optum Bank, Inc. leads on 5 and UBS Bank USA, National Association 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.