Optum Bank INC vs Bmw Bank of North America
Side-by-side bank health comparison using FDIC financial data
Verdict
Optum Bank INC has a stronger Bank Health Score of 98/100 (A) compared to Bmw Bank of North America at 92/100 (A), a difference of 6 points. Optum Bank INC holds a Tier 1 capital ratio of 18.64% and an NPL ratio of 0.29%.
| Metric | Optum Bank INC | Bmw Bank of North America |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 98/100 (A)* | 92/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 18.6%* | 15.2% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.3% | 0.2%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 62.3%* | 23.3% |
| Return on Assets Profitability metric (above 1% is strong) | 4.1%* | 2.9% |
| Total Assets | $17.1B | $12.1B |
| Total Deposits | $14.2B | $7.7B |
| Location | Draper, Utah | Salt Lake City, Utah |
Optum Bank INC has a stronger Bank Health Score of 98/100 (A) compared to Bmw Bank of North America at 92/100 (A), a difference of 6 points. Optum Bank INC holds a Tier 1 capital ratio of 18.64% and an NPL ratio of 0.29%.