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OPTUM BANK, INC.

DRAPER, UT · Supervised by FDIC

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

Outstanding Same

Current rating · Exam: September 2023

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Contact & Details

FDIC BankFind

Website

www.optumbank.com

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

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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%

Above avg for Regional banks. Peer avg: 0.88%

ROE

20.31%

Risk-Based Capital

18.35%

Below avg for Regional banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

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

ROA2.93%Peer avg: 0.88%▲ Above avg

Risk-Based Capital18.35%Peer avg: 30.04%▼ Below avg

Complaints / $B42.00Peer avg: 25.80▲ More than avg

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Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

237

Since 2018

872

all complaints on record

Monetary Relief

1.6%

% of complaints where company provided monetary relief

Untimely Response

1.7%

% exceeding CFPB's 15-day response window

Complaints by Product Type

Checking or savings account

78%

677

Money transfer or services

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 2023	Outstanding	Strategic Plan
Aug 2020	Outstanding	Strategic Plan
Jun 2017	Outstanding	Strategic Plan

3 previous ratings locked — back to 2005

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$15.1B

1-Year Change

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All banks in Utah →

Month	Complaints	With Monetary Relief
August 2025	15	0
September 2025	16	0
October 2025	17	0
November 2025	18	0
December 2025	20	0
January 2026	24	0
February 2026	34	0
March 2026	29	0
April 2026	21	0
May 2026	23	0
June 2026	11	0