BlastPoint's Banking Scorecard
Optum Bank, Inc.
Mid-Market
Specialty: Commercial
UT
FDIC cert 57408
Draper, UT
201
banks in Mid-Market tier nationally
7 in UT
View Mid-Market leaderboard (UT) →
Optum Bank, Inc. shows strong momentum with 5 strengths and 11.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 35% in Mid-Market
- + Return on Assets 1.56% above tier
- + Net Interest Margin 1.02% above tier
- + Efficiency Ratio 30.54% below tier
- + Loan-to-Deposit Ratio 30.20% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$20.8B
+11.7% YoY
+3.6% QoQ
|
+$10.4B |
$10.5B
+2.9% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$8.9B
+38.4% YoY
+4.5% QoQ
|
+$1.7B |
$7.1B
+4.5% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$16.0B
+7.5% YoY
+1.5% QoQ
|
+$7.5B |
$8.5B
+3.0% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
2.72%
-17.7% YoY
+0.3% QoQ
|
+1.56% |
1.16%
+9.4% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.42%
+8.1% YoY
+0.0% QoQ
|
+1.02% |
3.40%
+7.9% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
26.07%
+17.1% YoY
+0.4% QoQ
|
-30.54% |
56.60%
-3.2% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.20%
-27.8% YoY
+7.6% QoQ
|
-0.48% |
0.68%
+12.0% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
55.27%
+28.8% YoY
+3.0% QoQ
|
-30.20% |
85.47%
+1.1% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.90%
+8.9% YoY
+5.5% QoQ
|
-5.74% |
20.64%
-0.3% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.12%
-10.4% YoY
+4.6% QoQ
|
-0.37% |
0.50%
+7.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
85% |
| Tier 1 Capital Ratio ? |
17.00%
+12.8% YoY
+4.2% QoQ
|
+3.45% |
13.55%
+1.8% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
1.09%
-35.5% YoY
+21.2% QoQ
|
+0.13% |
0.96%
+7.1% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (5)
Revenue Diversifier
growth
#18 of 49 · Top 35% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.09%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
2.72%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Top 3%
in Mid-Market
Why this stands out
Current:
2.72%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Top 10%
in Mid-Market
Why this stands out
Current:
4.42%
(Tier avg: 3.40%, National avg: 3.75%)
Efficiency Ratio
metric
Top 2%
in Mid-Market
Why this stands out
Current:
26.07%
(Tier avg: 56.60%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 4%
in Mid-Market
Why this stands out
Current:
55.27%
(Tier avg: 85.47%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Efficiency Ratio
Current: 26.07% · Tier avg: 56.60%
97
97th pctile
Return on Assets
Current: 2.72% · Tier avg: 1.16%
96
96th pctile
Loan-to-Deposit Ratio
Current: 55.27% · Tier avg: 85.47%
93
93th pctile
Total Assets
Current: $20.8B · Tier avg: $10.5B
91
91th pctile
Total Deposits
Current: $16.0B · Tier avg: $8.5B
90
90th pctile
Net Interest Margin
Current: 4.42% · Tier avg: 3.40%
90
90th pctile
Tier 1 Capital Ratio
Current: 17.00% · Tier avg: 13.55%
85
85th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.68%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
80
80th pctile
Non-Interest Income / Assets
Current: 1.09% · Tier avg: 0.96%
76
76th pctile
Total Loans
Current: $8.9B · Tier avg: $7.1B
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 14.90% · Tier avg: 20.64%
Top Weaknesses
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 14.90% · Tier avg: 20.64%
76
76th pctile
Total Loans
Current: $8.9B · Tier avg: $7.1B
80
80th pctile
Non-Interest Income / Assets
Current: 1.09% · Tier avg: 0.96%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
85
85th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.68%
90
90th pctile
Tier 1 Capital Ratio
Current: 17.00% · Tier avg: 13.55%
90
90th pctile
Net Interest Margin
Current: 4.42% · Tier avg: 3.40%
91
91th pctile
Total Deposits
Current: $16.0B · Tier avg: $8.5B
93
93th pctile
Total Assets
Current: $20.8B · Tier avg: $10.5B
96
96th pctile
Loan-to-Deposit Ratio
Current: 55.27% · Tier avg: 85.47%
97
97th pctile
Return on Assets
Current: 2.72% · Tier avg: 1.16%
98
98th pctile
Efficiency Ratio
Current: 26.07% · Tier avg: 56.60%