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Optum Bank, Inc.
Draper, UT · FDIC Certificate #57408 · Chartered 07/2
Total assets
$21.43B
Total deposits
$16.52B
Total equity
$3.18B
Net loans
$9.86B
Branches (offices)
1
Net income (YTD)
$269.00M
Rank: #99 of 4,213 U.S. banks by assets · #9 of 44 in Utah. Assets changed 9.5% and deposits 9.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.55% |
| Return on equity | 17.52% |
| Net interest margin (YTD) | 4.50% |
| Equity to assets | 14.85% |
| Tier 1 leverage ratio | 13.22% |
| Uninsured deposits (share of deposits) | 3.8% |
| Noncurrent loans (share of loans) | 0.21% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 59.7% |
| Real estate loans (share of loans) | 65.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $6.41B | 65.0% | |
| Commercial & industrial | $1.11B | 11.3% | |
| Consumer / individual | $2.22B | 22.5% | |
| Construction & development | $88.00M | 0.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $15.07B | $12.74B | $137.47M | $1.54B |
| Jun 2023 | $15.82B | $13.41B | $203.00M | $1.46B |
| Jun 2024 | $17.08B | $14.18B | $268.00M | $1.78B |
| Jun 2025 | $19.57B | $15.09B | $264.00M | $2.58B |
| Jun 2026 | $21.43B | $16.52B | $269.00M | $3.18B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Utah | $16.52B | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $16.52B.
Similar-sized banks
Beacon Bank And Trust ($22.20B) · Seacoast National Bank ($21.34B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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