🏦Bank Scorer

OPTUM BANK, INC.

DRAPER, UT · Supervised by FDIC

Est. 2003FDIC #57,408RSSD: FDIC-57408
Outstanding Same

Current rating · Exam: September 2023

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Consumer Complaints (12 mo)

7

0.33 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 2.93%

Institution Profile

FDIC BankFind

Address

12921 S Vista Station Blvd, DRAPER, UT

County

Salt Lake County

Established

July 21, 2003

Total Assets

$21.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 1, 2023

Exam Type

Strategic Plan

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$21.0B

Total Deposits

$16.2B

Net Loans

$9.4B

Net Income

$153M

ROA

2.93%

ROE

20.31%

Risk-Based Capital

18.35%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

Complaints / $B0.33Peer avg: 0.04▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$15.1B

1-Year Change

0

Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

7

All Time

18

Monetary Relief

0%

Untimely Response

0%

Most common complaint type: Checking or savings account· 0.33 per $B assets (12m)

Monthly Complaints (last 24 months)

MonthComplaintsWith Monetary Relief
July 202400
August 202400
September 202400
October 202400
November 202400
December 202400
January 202500
February 202500
March 202500
April 202500
May 202500
June 202500
July 202500
August 202500
September 202500
October 202510
November 202500
December 202500
January 202600
February 202600
March 202610
April 202630
May 202610
June 202610

Data through Jun 2026. Zero-height bars indicate months with no complaints on record.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2005

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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