BlastPoint's Banking Scorecard

Optum Bank, Inc.

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

Draper, UT

137 banks in the $10B-$250B peer group nationally 11 in UT

Optum Bank, Inc. has 5 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

+ Revenue Diversifier: Top 20.0% in tier
+ Profitability Leader: Top 20.0% in tier
+ Credit Quality Leader: Top 29.4% in tier
+ Efficiency Ratio 30.66% below tier average
+ Net Interest Margin 0.74% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 5.6% in tier

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$21.0B +11.3% YoY +0.8% QoQ	-$26.0B	$47.0B -1.9% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	39%
Total Loans ?	$9.4B +34.3% YoY +6.1% QoQ	-$20.0B	$29.4B -0.4% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$16.2B +8.3% YoY +1.3% QoQ	-$22.2B	$38.4B -1.6% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	36%
Return on Assets ?	2.93% +0.2% YoY +8.7% QoQ	+1.65%	1.28% +18.7% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	Top 2.2% in tier
Net Interest Margin ?	4.52% +2.3% YoY +2.9% QoQ	+0.74%	3.77% +5.8% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	Top 11.7% in tier
Efficiency Ratio ?	23.34% -5.5% YoY -11.2% QoQ	-30.66%	54.01% -3.7% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	Top 4.4% in tier
Delinquency Rate ?	0.21% +48.9% YoY +4.7% QoQ	-0.80%	1.02% -3.8% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	Top 11.0% in tier
Loan-to-Deposit Ratio ?	57.89% +24.0% YoY +4.7% QoQ	-22.90%	80.79% +1.9% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	Top 8.8% in tier
Non-Interest-Bearing Deposit Share ?	13.83% +3.7% YoY -7.1% QoQ	-6.21%	20.04% +0.2% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	0.13% +39.8% YoY +6.8% QoQ	-0.59%	0.72% +4.2% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	Top 11.7% in tier
Tier 1 Capital Ratio ?	17.52% +11.9% YoY +3.3% QoQ	+2.01%	15.51% -0.4% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	Top 12.4% in tier
Non-Interest Income / Assets ?	0.31% -11.5% YoY -71.0% QoQ	+0.09%	0.22% +0.3% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	84%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 (3)

Revenue Diversifier

growth

#8 of 35 • Top 20.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.31%

(Tier: 0.22%, National: 0.32%)

better than tier avg

Return on Assets: 2.93%

(Tier: 1.28%, National: 1.23%)

better than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#8 of 35 • Top 20.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.93%

(Tier: 1.28%, National: 1.23%)

better than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Leader

growth

#11 of 34 • Top 29.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.21%

(Tier: 1.02%, National: 0.95%)

better than tier avg

34 of 34 Large banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#5 of 72 • Bottom 5.6% 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: 1.02%, National: 0.95%)

better than tier avg

72 of 72 Large banks match · 1899 nationally

→ Stable +2 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 137 peers in $10B-$250B

Top Strengths (8 metrics)

Return on Assets

profitability

Value: 2.93%

Peer Median: 1.28%

#4 of 137 Top 2.2% in $10B-$250B

Efficiency Ratio

profitability

Value: 23.34%

Peer Median: 54.01%

#7 of 137 Top 4.4% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 57.89%

Peer Median: 80.79%

#13 of 137 Top 8.8% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.21%

Peer Median: 1.02%

#16 of 136 Top 11.0% in $10B-$250B

Net Interest Margin

profitability

Value: 4.52%

Peer Median: 3.77%

#17 of 137 Top 11.7% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.13%

Peer Median: 0.72%

#17 of 137 Top 11.7% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 17.52%

Peer Median: 15.51%

#18 of 137 Top 12.4% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.31%

Peer Median: 0.22%

#23 of 137 Top 16.1% in $10B-$250B

Top Weaknesses (1 metrics)

113

Total Loans

size

Value: $9.40B

Peer Median: $29.36B

#113 of 137 Bottom 18.2% in $10B-$250B