Optum Bank, Inc.
Draper, UT
IDRSSD: 3202702
Total Assets
$20.10B
Latest filing
Total Deposits
$15.80B
Latest filing
Net Interest Margin
4.48%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Optum Bank, Inc.
12921 S Vista Station Blvd
Draper, UT 84020
Full Service - Brick and Mortar
Updated 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 723 |
| 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 | 11/14/2025 |
| CERT | 57408 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $20.10B |
| Total Deposits | $15.80B |
| Total Liabilities | $17.31B |
| Total Equity Capital | $2.79B |
| Net Income | $129.00M |
| Net Loans and Leases | $8.48B |
| Assets Per Employee ($Millions) | $29.05M |
| Bank Premises and Fixed Assets | $4.00M |
| Cash and Balances due from Depository Institutions | $983.00M |
| Deposits Held in Domestic Offices | $15.80B |
Key Performance Ratios
| Return on Assets (ROA) | 2.6% |
| Return on Equity (ROE) | 19.22% |
| Net Interest Margin | 4.48% |
| Efficiency Ratio | 27.73% |
| Tier 1 Risk-Based Capital Ratio | 16.324% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.4% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.869% |
| Earning Assets to total Assets | 93.32% |
Income and Expense
| Total Interest Income | $228.00M |
| Total Noninterest Income | $49.00M |
| Total Interest Expense | $21.00M |
| Total Noninterest Expense | $81.00M |
| Net Interest Income | $207.00M |
| Pre-tax Net Operating Income | $155.00M |
| Provision for Credit Losses | $20.00M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $1.51B |
| Total Liabilities and Capital | $20.10B |
Securities
| Securities | $9.32B |
| Available-for-sale debt securities | $9.04B |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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.?
$20.10B as of the latest filing.
How much are Optum Bank, Inc.'s total deposits?
$15.80B in total deposits.
Where is Optum Bank, Inc. located?
Draper, UT.
What is the Net Interest Margin?
4.48%.
How many domestic offices does it operate?
1.
When was it established?
07/21/2003.
What is the Return on Assets (ROA)?
2.6%.
How much are total loans and leases?
$8.48B (latest filing).
What is the total interest income (latest filing)?
$228.00M.