Optum Bank, Inc.
Draper, UT
IDRSSD: 3202702
Total Assets
$20.82B
Latest filing
Total Deposits
$16.04B
Latest filing
Net Interest Margin
4.43%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
124384877DRAPER, UT
Key People
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Locations
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Main Office
Optum Bank, Inc.
12921 S Vista Station Blvd
Draper, UT 84020
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/21/2003FDIC Certificate 363231
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Optum Bank, Inc. (Main) | 12921 S Vista Station Blvd | Draper, UT | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/21/2003 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 84020 |
| State and County Number | 49035 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 23 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Salt Lake City, UT |
Operational Info
| Number of Employees | 692 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/01/2024 |
| Date of Deposit Insurance | 07/21/2003 |
| Primary Insurance Agency | DIF |
| Website | www.optumbank.com |
| Data Updated | 01/30/2026 |
| CERT | 57408 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $20.82B |
| Total Deposits | $16.04B |
| Total Liabilities | $17.86B |
| Total Equity Capital | $2.96B |
| Net Income | $141.00M |
| Net Loans and Leases | $8.86B |
| Assets Per Employee ($Millions) | $29.75M |
| Bank Premises and Fixed Assets | $4.00M |
| Cash and Balances due from Depository Institutions | $1.46B |
| Deposits Held in Domestic Offices | $16.04B |
Key Performance Ratios
| Return on Assets (ROA) | 2.76% |
| Return on Equity (ROE) | 19.62% |
| Net Interest Margin | 4.43% |
| Efficiency Ratio | 26.36% |
| Tier 1 Risk-Based Capital Ratio | 17.002% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.214% |
| Earning Assets to total Assets | 93.6% |
Income and Expense
| Total Interest Income | $236.00M |
| Total Noninterest Income | $46.00M |
| Total Interest Expense | $24.00M |
| Total Noninterest Expense | $77.00M |
| Net Interest Income | $212.00M |
| Pre-tax Net Operating Income | $175.00M |
| Provision for Credit Losses | $6.00M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $8.00M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.83B |
| Total Liabilities and Capital | $20.82B |
Securities
| Securities | $9.20B |
| Available-for-sale debt securities | $8.94B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $4.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Optum Bank, Inc.?
$20.82B as of the latest filing.
How much are Optum Bank, Inc.'s total deposits?
$16.04B in total deposits.
Where is Optum Bank, Inc. located?
Draper, UT.
What is the Net Interest Margin?
4.43%.
How many domestic offices does it operate?
1.
When was it established?
07/21/2003.
What is the Return on Assets (ROA)?
2.76%.
How much are total loans and leases?
$8.86B (latest filing).
What is the total interest income (latest filing)?
$236.00M.