# OPTUM BANK INC
DRAPER, UT · FDIC certificate 57408 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $21.43B | |
| Deposits | $16.52B | |
| Loans and leases | $9.95B | |
| Total equity | $3.18B | |
| Loans / deposits | 59.68% (p9 of band) | 85.78% |
| Liquid assets / assets | 47.66% (p90 of band) | |
| Uninsured deposits / deposits | 3.78% (p7 of band) | 38.39% |
| Brokered deposits | 9.48% | |
| Wholesale funding | 9.48% (p60 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.22% (p94 of band) | 10.17% |
| Unrealized securities loss / equity | -21.34% (p11 of band) | -7.43% |
| AOCI / equity | -1.35% (p8 of band) | |
| ROA (annualized) | 2.55% (p96 of band) | 1.24% |
| Net interest margin | 4.50% (p88 of band) | 3.57% |
| Efficiency ratio | 25.72% (p9 of band) | |
| Noncurrent loans | 0.21% (p13 of band) | 0.66% |
| Net charge-offs (annualized) | 0.10% (p57 of band) | |
| Reserve coverage of noncurrent | 438.10% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 2.77% (p18 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $76.0M (2% of equity) (p32 of band) | |
| Deposits YoY | 9.5% | |
| Employees | 863 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | capital falling, NIM <2.5% |  |
| 2014-06 | 0 |  | capital falling, NIM <2.5% |
| 2014-09 | 1 | NIM <2.5% |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | uninsured deposits leaving |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | uninsured deposits leaving |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | uninsured deposits leaving |  |
| 2018-03 | 0 |  | NIM <2.5%, uninsured deposits leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | NIM <2.5% |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, uninsured deposits leaving |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | NIM <2.5% |
| 2023-03 | 1 |  | AOCI drag >20% of equity, uninsured deposits leaving |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 1 |  | uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-06-13 [Big players dropping HSA business despite growth potential - Pensions & Investments](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPUkVCOEs0Y05BRmNxY1UzRTVCVXNlLWdVUUVBY2x0S3p1UE9Ed0I0YnEtYzBCeEJJUWh4bjZKbEhURUM0cmtNWFQyZjJIbkNhalR1aWItUFQ5YnZ4ckM0d1FCUERTTjNpeDFHTndNZmJ0ZUROMjc5a3FZNUd2cEZzeXJQQmVBQ0FCQWxTbzI4b01kaHdfM3Q0bnZhbjVyT1RwSzZmcU1kTEpjTEdZaXVCSTRuLWpYNzA2?oc=5) · Pensions &amp; Investments
- 2026-05-04 [WEX and Impactive Capital Announce Cooperation Agreement - Business Wire](https://news.google.com/rss/articles/CBMiswFBVV95cUxQYllDSEFQcXI3UHpzaXZvV2dTNWFHVC1jSjNYUmYzWEZ5eFBSY0lUNmV5T3NzZW5DekI4aWNkMF9MOWQyU0JBNktqQTFqTk56R1dLNlUyOWQ0V3l6bVRFWWplQWpUUXl4VFJDblhMTGs2LWlQTkdMdU5Zd3h6QVdCRUhLR01pZWp2RThFZHloRkhHUXNyLXEtUXc1cnBudkNaVlR3am5DWnZDbG5sbUlzX1Zzbw?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57408 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/0.json (key "57408", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide