1.04%
−6.2%y/y
Peer standing34th percentile
FDIC
NETINC + ROAUB
UBS Bank USA, National Association
Salt Lake City, UtahFDIC Cert #57565
OCCEstablished 20031 branch
Holding company: UBS GROUP AGRegulator: OCC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
13.44%
−0.3%y/y
Peer standing74th percentile
FDIC
NETINC + ROE1.43%
−7.0%y/y
Peer standing42nd percentile
FDIC
PTAXNETINC + ASSET1.96%
+1.8%y/y
Peer standing11th percentile
FDIC
NIM + NIMY4.56%
−6.4%y/y
Peer standing13th percentile
FDIC
INTINCY2.87%
−18.2%y/y
Peer standing42nd percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
28.09%
+31.3%y/y
Peer standing93rd percentile
FDIC
NONIX + NIM + NONII + EEFFR0.57%
+32.1%y/y
Peer standing97th percentile
FDIC
NONIX + ASSET3.63%
−20.7%y/y
Percentile by value7th percentileby value
FDIC
NONII + NIM+5.09%
−3.2%y/y
Percentile by value48th percentileby value
FDIC
ASSET+10.51%
+17.8%y/y
Percentile by value72nd percentileby value
FDIC
DEP+5.25%
+16.3%y/y
Percentile by value41st percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
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.