$122B
+5.1%y/y
Percentile by value82nd percentileby value
FDIC
ASSETUB
UBS Bank USA, National Association
Salt Lake City, UtahFDIC Cert #57565
OCCEstablished 20031 branch
Holding company: UBS GROUP AGRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportUBS Bank USA, National Association reported $122B in total assets. Deposits grew 10.51% over the prior year.
Return on assets was 1.04%, compared with an asset-peer median of 1.19%. The leverage ratio was 8.06%.
- Why is Efficiency Ratio below asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$108B
+10.5%y/y
Percentile by value83rd percentileby value
FDIC
DEP$89.9B
+5.2%y/y
Percentile by value86th percentileby value
FDIC
LNLSNET1.04%
−7 bpsy/y
Peer standing34th percentile
FDIC
NETINC + ROA28.09%
+670 bpsy/y
Peer standing93rd percentile
FDIC
NONIX + NIM + NONII + EEFFR8.06%
−101 bpsy/y
Peer standing14th percentile
FDIC
RBC1AAJPercentiles compare this bank with 154 banks with $10 billion or more.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $95B | $86.2B |
| Q3 2021 | $104B | $93.9B |
| Q4 2021 | $121B | $112B |
| Q1 2022 | $122B | $113B |
| Q2 2022 | $121B | $110B |
| Q3 2022 | $117B | $102B |
| Q4 2022 | $121B | $104B |
| Q1 2023 | $114B | $93.9B |
| Q2 2023 | $114B | $94.1B |
| Q3 2023 | $114B | $91B |
| Q4 2023 | $114B | $91.3B |
| Q1 2024 | $111B | $89.9B |
| Q2 2024 | $110B | $88.1B |
| Q3 2024 | $111B | $89.7B |
| Q4 2024 | $119B | $99.5B |
| Q1 2025 | $116B | $97.9B |
| Q2 2025 | $114B | $98.4B |
| Q3 2025 | $115B | $99.6B |
| Q4 2025 | $119B | $105B |
| Q1 2026 | $122B | $108B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $113M |
| Investor CRE | $1.3B |
| Multifamily | $214M |
| Construction | $3.03M |
| 1–4 family | $32.2B |
| C&I | $753M |
| Agriculture | $0 |
| Other | $55.4B |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.04%34th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.78%Observations 154
ROE
FDIC
NETINC + ROE13.44%74th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.61%Median 10.41%90th 17.71%Observations 154
NIM
FDIC
NIM + NIMY1.96%11th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.82%Median 3.47%90th 4.57%Observations 160
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR28.09%93rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.04%Median 55.21%90th 70.91%Observations 154
Deposits YoY
FDIC
DEP+10.51%72nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.59%Median +5.37%90th +32.48%Observations 160
Loans YoY
FDIC
LNLSNET+5.25%41st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.55%Median +7.07%90th +38.62%Observations 159
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.12%92nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 0.75%90th 1.66%Observations 159
Leverage
FDIC
RBC1AAJ8.06%14th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.38%Median 9.94%90th 11.94%Observations 160
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.87%42nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.87%Median 2.70%90th 3.93%Observations 154
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC16%12th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 4%Median 172%90th 301%Observations 154
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.04%20th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.14%Median 1.83%90th 4.88%Observations 45
ROE
FDIC
NETINC + ROE13.44%43rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.15%Median 15.71%90th 42.77%Observations 45
NIM
FDIC
NIM + NIMY1.96%5th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.23%Median 5.56%90th 15.19%Observations 45
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR28.09%84th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 24.58%Median 54.46%90th 98.73%Observations 45
Deposits YoY
FDIC
DEP+10.51%69th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.51%Median +5.68%90th +35.63%Observations 43
Loans YoY
FDIC
LNLSNET+5.25%39th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.49%Median +7.25%90th +45.05%Observations 42
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.12%83rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.08%Median 0.73%90th 3.60%Observations 43
Leverage
FDIC
RBC1AAJ8.06%2nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.12%Median 12.79%90th 27.02%Observations 45
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.87%65th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.02%Median 3.48%90th 4.38%Observations 44
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC16%52nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 9%90th 270%Observations 30
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.04%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.06%Median 1.90%90th 3.65%Observations 12
ROE
FDIC
NETINC + ROE13.44%18th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 13.39%Median 15.77%90th 39.96%Observations 12
NIM
FDIC
NIM + NIMY1.96%9th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.07%Median 5.10%90th 12.52%Observations 12
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR28.09%73rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 23.65%Median 43.27%90th 70.24%Observations 12
Deposits YoY
FDIC
DEP+10.51%73rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +0.66%Median +8.05%90th +33.76%Observations 12
Loans YoY
FDIC
LNLSNET+5.25%45th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.55%Median +5.32%90th +33.02%Observations 12
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.12%82nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.09%Median 0.72%90th 2.20%Observations 12
Leverage
FDIC
RBC1AAJ8.06%0th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.75%Median 10.96%90th 12.78%Observations 12
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.87%73rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.70%Median 3.61%90th 4.92%Observations 12
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC16%55th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 9%90th 140%Observations 12
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Salt Lake City, UT
FDIC
OFFDOMOpen the Utah dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data