Wells Fargo Trust Co NA vs Optum Bank INC
Side-by-side bank health comparison using FDIC financial data
Wells Fargo Trust Co NA (A) and Optum Bank INC (A) are close on the BankHealth rubric. Asset bases: $1.4B versus $17.1B.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Wells Fargo Trust Co NA has a stronger Bank Health Score of 100/100 (A) compared to Optum Bank INC at 98/100 (A), a difference of 2 points. Wells Fargo Trust Co NA holds a Tier 1 capital ratio of 96.2% and an NPL ratio of 0.00%.
| Metric | Wells Fargo Trust Co NA | Optum Bank INC |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 98/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 96.2%* | 18.6% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.3% |
| Liquidity Ratio Cash and liquid assets vs obligations | 56.4% | 62.3%* |
| Return on Assets Profitability metric (above 1% is strong) | 3.6% | 4.1%* |
| Total Assets | $1.4B | $17.1B |
| Total Deposits | $0 | $14.2B |
| Location | Ogden, Utah | Draper, Utah |
Wells Fargo Trust Co NA has a stronger Bank Health Score of 100/100 (A) compared to Optum Bank INC at 98/100 (A), a difference of 2 points. Wells Fargo Trust Co NA holds a Tier 1 capital ratio of 96.2% and an NPL ratio of 0.00%.