UT lenders / Regional Bank
Optum Bank, Inc.
Regional Bank · Draper, UT
- Total assets
- $21.0B
- CRE loan book
- $6.0B
- QoQ CRE growth
- 7.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.22% as of Q1 2026 — TX bank median 4.87% (0.36pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.22% | 6.42% |
| Q4 2025 | 5.17% | 6.26% |
| Q3 2025 | 5.13% | 6.50% |
| Q2 2025 | 4.97% | 6.29% |
| Q1 2025 | 5.00% | 6.14% |
| Q4 2024 | 4.92% | 6.19% |
| Q3 2024 | 4.97% | 5.50% |
| Q2 2024 | 4.87% | 5.45% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $6.0B | $89.0M | $1.9B | 215% | $0 |
| Q4 2025 | $5.5B | $82.0M | $1.7B | 221% | $0 |
| Q3 2025 | $5.3B | $75.0M | $1.6B | 224% | $0 |
| Q2 2025 | $5.0B | $128.0M | $1.5B | 225% | $0 |
| Q1 2025 | $4.7B | $131.0M | $1.4B | 221% | $0 |
| Q4 2024 | $4.5B | $111.0M | $1.4B | 226% | $10.0M |
| Q3 2024 | $4.3B | $105.0M | $1.4B | 239% | $10.0M |
| Q2 2024 | $4.2B | $78.0M | $1.4B | 195% | $10.0M |
Similar lenders
Other regional banks we track with a comparable CRE book size.
- Axos BankRegional Bank · San Diego · $5.9B CRE book
- Enterprise Bank & TrustRegional Bank · Clayton · $6.1B CRE book
- Live Oak Banking CompanyRegional Bank · Wilmington · $5.8B CRE book
- First United Bank and Trust CompanyRegional Bank · Durant · $5.8B CRE book
- Customers BankRegional Bank · Malvern · $6.1B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.