BlastPoint's Banking Scorecard

Optum Bank, Inc.

$10B-$250B Specialty: Commercial UT FDIC cert 57408

Draper, UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 12 in UT.
Deposits +9.5% year over year ($16.5B on the books).
Delinquency rate 0.21%.
Return on assets 2.55%.
Efficiency ratio 25.72% vs a 53.67% peer average.
Loan-to-deposit ratio 59.68% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 12 in UT

View $10B-$250B leaderboard (UT) →

Optum Bank, Inc. has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Return on Assets 1.16% above tier average
+ Efficiency Ratio 27.95% below tier average
+ Delinquency Rate 0.80% below tier average
+ Net Interest Margin 0.58% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.5% in tier

Get updates when Optum Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$21.4B +9.5% YoY +2.1% QoQ	-$22.2B	$43.6B -13.8% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	43%
Total Loans ?	$9.9B +25.3% YoY +4.8% QoQ	-$18.1B	$28.0B -8.6% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	22%
Total Deposits ?	$16.5B +9.5% YoY +1.7% QoQ	-$18.9B	$35.4B -14.0% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	40%
Return on Assets ?	2.55% -8.0% YoY -12.8% QoQ	+1.16%	1.39% +25.9% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	Top 5.0% in tier
Net Interest Margin ?	4.50% +2.7% YoY -0.4% QoQ	+0.58%	3.92% +8.9% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	Top 13.7% in tier
Efficiency Ratio ?	25.72% +2.5% YoY +10.2% QoQ	-27.95%	53.67% -1.9% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	Top 3.6% in tier
Delinquency Rate ?	0.21% +11.8% YoY +0.2% QoQ	-0.80%	1.01% -2.8% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	Top 9.4% in tier
Loan-to-Deposit Ratio ?	59.68% +14.4% YoY +3.1% QoQ	-22.93%	82.61% +3.1% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	Top 8.6% in tier
Non-Interest-Bearing Deposit Share ?	14.21% +11.7% YoY +2.7% QoQ	-6.37%	20.58% +4.9% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	24%
Nonperforming Asset Ratio ?	0.14% +15.1% YoY +1.5% QoQ	-0.60%	0.73% +5.8% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	Top 10.8% in tier
Tier 1 Capital Ratio ?	17.86% +13.2% YoY +1.9% QoQ	+2.51%	15.35% -0.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	Top 10.8% in tier
Non-Interest Income / Assets ?	0.50% -24.7% YoY +60.3% QoQ	+0.01%	0.50% +10.5% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	73%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Noninterest-Bearing	14.2% +1.5pp YoY +0.4pp QoQ	-6.8pp	21.0%	20.1%	22.2%	21%
Brokered Deposits	12.3% +4.6pp YoY +2.1pp QoQ	+3.1pp	9.2%	28.6%	8.5%	80%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	11.3% +0.5pp YoY +0.1pp QoQ	-5.9pp	17.2%	25.0%	12.5%	31%
CRE	65.0% +1.5pp YoY +1.7pp QoQ	+23.0pp	42.0%	44.1%	41.4%	92%
1-4 Family	n/a	n/a	23.1%	13.8%	31.3%	n/a
Consumer	22.5% +1.2pp YoY -1.2pp QoQ	+9.6pp	12.9%	45.8%	5.0%	86%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	17.9% +2.1pp YoY +0.3pp QoQ	+2.6pp	15.3%	25.0%	19.7%	88%
Leverage Ratio	13.2% +1.7pp YoY +0.4pp QoQ	+2.8pp	10.4%	15.7%	12.6%	94%
Total Capital Ratio	18.7% +2.0pp YoY +0.3pp QoQ	+2.2pp	16.5%	26.3%	20.8%	88%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	863 +140 (+19.4%) YoY +79 (+10.1%) QoQ	-2,395	3,258	1,029	482	18%
Assets per Employee ($)	$24.8M -8.3% YoY -7.3% QoQ	-$2.2M	$27.0M	$39.6M	$8.8M	80%
Branch Count	1 0 YoY 0 QoQ	-137	137	13	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.4%	0.6%	0.4%	73%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.7%	1.2%	1.0%	4%
Allowance Coverage	4.38x -7.4% YoY -0.4% QoQ	+1.57x	2.81x	7.86x	20.23x	88%
Net Charge-off Rate (YTD)	0.2% -0.2pp YoY 0.0pp QoQ	-0.2pp	0.4%	3.6%	0.2%	62%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	17.5% -4.7pp YoY -2.8pp QoQ	+4.9pp	12.6%	15.9%	11.6%	86%
Cost of Funds (YTD)	0.5% +0.2pp YoY 0.0pp QoQ	-1.4pp	2.0%	2.3%	1.7%	3%
Net Income ($, YTD)	$269.0M +1.9% YoY — QoQ	-$27.8M	$296.8M	$307.8M	$40.4M	69%

Get Full Access to Optum Bank, Inc.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#6 of 67 • Bottom 7.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.21%

(Tier: 1.01%, National: 0.98%)

better than tier avg

67 of 67 Large banks match · 1820 nationally

→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 25.72%

Peer Median: 53.67%

#6 of 139 Top 3.6% in $10B-$250B

Return on Assets

profitability

Value: 2.55%

Peer Median: 1.39%

#8 of 139 Top 5.0% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 59.68%

Peer Median: 82.61%

#13 of 139 Top 8.6% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.21%

Peer Median: 1.01%

#14 of 138 Top 9.4% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.14%

Peer Median: 0.73%

#16 of 139 Top 10.8% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 17.86%

Peer Median: 15.35%

#16 of 139 Top 10.8% in $10B-$250B

Net Interest Margin

profitability

Value: 4.50%

Peer Median: 3.92%

#20 of 139 Top 13.7% in $10B-$250B

Top Weaknesses (2 metrics)

109

Total Loans

size

Value: $9.86B

Peer Median: $27.97B

#109 of 139 Bottom 22.3% in $10B-$250B

107

Non-Interest-Bearing Deposit Share

funding

Value: 14.21%

Peer Median: 20.58%

#107 of 139 Bottom 23.7% in $10B-$250B