OPTUM BANK INC
DRAPER, UTAH · FDIC Cert #57408
Capital & Safety Analysis
According to FDIC financial data, OPTUM BANK INC holds a Tier 1 capital ratio of 18.64%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning OPTUM BANK INC has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
OPTUM BANK INC shows strong financial health indicators. With $17.1B in assets and a Health Score of 98/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
OPTUM BANK INC has a Bank Health Score of A (98/100). It holds a Tier 1 capital ratio of 18.64%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
OPTUM BANK INC holds $17.1B in total assets and $14.2B in total deposits. It is located in DRAPER, UTAH (FDIC Certificate #57408).
OPTUM BANK INC has a Tier 1 capital ratio of 18.64%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.29%, and the return on assets is 4.14%.
Yes. OPTUM BANK INC is FDIC-insured (Certificate #57408). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.