Optum Bank INC vs Wex Bank
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 Wex Bank 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 | Wex Bank |
|---|---|---|
| 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%* | 13.1% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.3%* | 0.5% |
| Liquidity Ratio Cash and liquid assets vs obligations | 62.3%* | 51.4% |
| Return on Assets Profitability metric (above 1% is strong) | 4.1% | 5.5%* |
| Total Assets | $17.1B | $7.6B |
| Total Deposits | $14.2B | $5.7B |
| Location | Draper, Utah | Sandy, Utah |
Optum Bank INC has a stronger Bank Health Score of 98/100 (A) compared to Wex Bank 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%.