Call reports 2025
OPTUM BANK, INC. — 2025
What OPTUM BANK, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 18,867,000,000 | 19,571,000,000 | 20,102,000,000 | 20,819,000,000 |
| Total loans | 7,074,000,000 | 7,940,000,000 | 8,557,000,000 | 8,936,000,000 |
| Allowance for loan losses | 71,000,000 | 71,000,000 | 76,000,000 | 72,000,000 |
| Securities available for sale | 9,327,000,000 | 9,107,000,000 | 9,038,000,000 | 8,938,000,000 |
| Securities held to maturity | 5,000,000 | 4,000,000 | 4,000,000 | 4,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,996,000,000 | 15,088,000,000 | 15,800,000,000 | 16,038,000,000 |
| Interest-bearing deposits | 12,995,000,000 | 13,168,000,000 | 13,569,000,000 | 13,649,000,000 |
| Noninterest-bearing deposits | 2,001,000,000 | 1,920,000,000 | 2,231,000,000 | 2,389,000,000 |
| Equity capital | 2,399,000,000 | 2,582,000,000 | 2,788,000,000 | 2,955,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 206,000,000 | 419,000,000 | 647,000,000 | 878,000,000 |
| Interest expense | 14,000,000 | 32,000,000 | 53,000,000 | 77,000,000 |
| Net interest income | 192,000,000 | 387,000,000 | 594,000,000 | 801,000,000 |
| Noninterest income | 67,000,000 | 131,000,000 | 180,000,000 | 226,000,000 |
| Noninterest expense | 73,000,000 | 150,000,000 | 231,000,000 | 309,000,000 |
| Provision for loan losses | 2,000,000 | 10,000,000 | 22,000,000 | 22,000,000 |
| Pretax income | 178,000,000 | 343,000,000 | 510,000,000 | 682,000,000 |
| Income tax | 41,000,000 | 79,000,000 | 117,000,000 | 154,000,000 |
| Net income | 137,000,000 | 264,000,000 | 393,000,000 | 528,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,051,000,000 | 2,175,000,000 | 2,318,000,000 | 2,464,000,000 |
| Total capital | 2,188,000,000 | 2,304,000,000 | 2,445,000,000 | 2,580,000,000 |
| Risk-weighted assets | 13,102,000,000 | 13,787,900,000 | 14,199,900,000 | 14,522,400,000 |