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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Salt Lake City, UT · FDIC certificate #57565 · RSSD 3212149
UBS BANK USA NATIONAL ASSN is an FDIC-insured institution based in Salt Lake City, UT (FDIC certificate #57565). In its Q3 2026 Call Report it reported total assets of $127.3B, total deposits of $111.1B and net loans of $96.6B. Its primary federal regulator is OCC. Its current parent is UBS AMERICAS INC..
Plain-language readout
UBS BANK USA NATIONAL ASSN is compared with 33 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: UBS BANK USA NATIONAL ASSN reported 0.287, in the 100.0th percentile of 33 peers, where the median is 0.063. Common equity tier 1 ratio: UBS BANK USA NATIONAL ASSN reported 0.267, in the 100.0th percentile of 33 peers, where the median is 0.123. Selected CRE loans to gross loans and leases: UBS BANK USA NATIONAL ASSN reported 0.017, in the 12.5th percentile of 33 peers, where the median is 0.283. Selected CRE loans to total capital: UBS BANK USA NATIONAL ASSN reported 0.156, in the 15.6th percentile of 33 peers, where the median is 1.619. Domestic secured CRE noncurrent ratio: UBS BANK USA NATIONAL ASSN reported 0.003, in the 23.3th percentile of 31 peers, where the median is 0.008. Deposit funding ratio: UBS BANK USA NATIONAL ASSN reported 0.879, in the 97.1th percentile of 35 peers, where the median is 0.818. Nontrading derivative fair value to assets: UBS BANK USA NATIONAL ASSN reported 0.000, in the 0.0th percentile of 21 peers, where the median is 0.000. Unadjusted YTD efficiency ratio: UBS BANK USA NATIONAL ASSN reported 0.263, in the 0.0th percentile of 33 peers, where the median is 0.560. Bank equity to assets: UBS BANK USA NATIONAL ASSN reported 0.076, in the 9.4th percentile of 33 peers, where the median is 0.109. Cash and securities to assets: UBS BANK USA NATIONAL ASSN reported 0.241, in the 40.6th percentile of 33 peers, where the median is 0.250. Quarterly loan growth: UBS BANK USA NATIONAL ASSN reported 0.034, in the 75.0th percentile of 33 peers, where the median is 0.023. Loan-to-asset ratio: UBS BANK USA NATIONAL ASSN reported 0.747, in the 85.3th percentile of 35 peers, where the median is 0.671. Domestic loans to domestic deposits: UBS BANK USA NATIONAL ASSN reported 0.851, in the 56.3th percentile of 33 peers, where the median is 0.848. Net interest margin: UBS BANK USA NATIONAL ASSN reported 1.962, in the 11.8th percentile of 35 peers, where the median is 3.313. Net loans and leases: UBS BANK USA NATIONAL ASSN reported 92938861.000, in the 79.4th percentile of 35 peers, where the median is 57158021.000. Nonaccrual loans ratio: UBS BANK USA NATIONAL ASSN reported 0.001, in the 6.3th percentile of 33 peers, where the median is 0.007. Noncurrent loans ratio: UBS BANK USA NATIONAL ASSN reported 0.001, in the 3.1th percentile of 33 peers, where the median is 0.009. Return on assets: UBS BANK USA NATIONAL ASSN reported 1.092, in the 35.3th percentile of 35 peers, where the median is 1.238. Return on equity: UBS BANK USA NATIONAL ASSN reported 14.190, in the 65.6th percentile of 33 peers, where the median is 12.440. Securities to assets: UBS BANK USA NATIONAL ASSN reported 0.082, in the 9.4th percentile of 33 peers, where the median is 0.191. Selected unused commitments to assets: UBS BANK USA NATIONAL ASSN reported 0.020, in the 15.6th percentile of 33 peers, where the median is 0.042. Time deposits maturing within one year: UBS BANK USA NATIONAL ASSN reported 0.449, in the 0.0th percentile of 33 peers, where the median is 0.943. Total assets: UBS BANK USA NATIONAL ASSN reported 124438468.000, in the 70.6th percentile of 35 peers, where the median is 87714456.000. Total deposits: UBS BANK USA NATIONAL ASSN reported 109326784.000, in the 73.5th percentile of 35 peers, where the median is 70671441.000. Efficiency ratio (official UBPR): UBS BANK USA NATIONAL ASSN reported 0.263, in the 0.0th percentile of 33 peers, where the median is 0.556. Net interest margin (official UBPR): UBS BANK USA NATIONAL ASSN reported 0.020, in the 6.3th percentile of 33 peers, where the median is 0.033. Interest Income (TE) as a percent of Average Assets: UBS BANK USA NATIONAL ASSN reported 0.046, in the 21.9th percentile of 33 peers, where the median is 0.049. Interest Expense as a percent of Average Assets: UBS BANK USA NATIONAL ASSN reported 0.026, in the 87.5th percentile of 33 peers, where the median is 0.018. Net Interest Income (TE) % of Avg Assets: UBS BANK USA NATIONAL ASSN reported 0.019, in the 6.3th percentile of 33 peers, where the median is 0.031. Noninterest Income as a percent of Average Assets: UBS BANK USA NATIONAL ASSN reported 0.001, in the 0.0th percentile of 33 peers, where the median is 0.009. Non-Interest Expense as a percent of Average Assets: UBS BANK USA NATIONAL ASSN reported 0.005, in the 0.0th percentile of 33 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: UBS BANK USA NATIONAL ASSN reported 0.000, in the 6.3th percentile of 33 peers, where the median is 0.002. Pretax Operating Income (TE) % of Avg Assets: UBS BANK USA NATIONAL ASSN reported 0.015, in the 37.5th percentile of 33 peers, where the median is 0.016. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: UBS BANK USA NATIONAL ASSN reported 0.000, in the 12.5th percentile of 33 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: UBS BANK USA NATIONAL ASSN reported 0.015, in the 31.3th percentile of 33 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: UBS BANK USA NATIONAL ASSN reported 0.011, in the 31.3th percentile of 33 peers, where the median is 0.013. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: UBS BANK USA NATIONAL ASSN reported 0.011, in the 31.3th percentile of 33 peers, where the median is 0.013. Average Earning Assets as a percent of Average Assets: UBS BANK USA NATIONAL ASSN reported 0.992, in the 93.8th percentile of 33 peers, where the median is 0.930. Average Interest-Bearing Funds as a percent of Average Assets: UBS BANK USA NATIONAL ASSN reported 0.916, in the 100.0th percentile of 33 peers, where the median is 0.733. Interest Income (TE) as a percent of Average Earning Assets: UBS BANK USA NATIONAL ASSN reported 0.046, in the 3.1th percentile of 33 peers, where the median is 0.053. Net Interest Income (TE) as a percent of Average Earning Assets: UBS BANK USA NATIONAL ASSN reported 0.020, in the 6.3th percentile of 33 peers, where the median is 0.034. Net Loss as a percent of Average Total Loans and Leases: UBS BANK USA NATIONAL ASSN reported -0.000, in the 0.0th percentile of 33 peers, where the median is 0.003. Total LN&LS-30-89 DAYS Past Due %: UBS BANK USA NATIONAL ASSN reported 0.000, in the 0.0th percentile of 33 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: UBS BANK USA NATIONAL ASSN reported 0.850, in the 56.3th percentile of 33 peers, where the median is 0.832. Net Income Attributed to Minority Interests as a percent of Average Assets: UBS BANK USA NATIONAL ASSN reported 0.000, in the 0.0th percentile of 33 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: UBS BANK USA NATIONAL ASSN reported 0.000, in the 3.1th percentile of 33 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: UBS BANK USA NATIONAL ASSN reported 0.000, in the 34.4th percentile of 33 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): UBS BANK USA NATIONAL ASSN reported 0.015, in the 25.0th percentile of 33 peers, where the median is 0.018. Return on assets (official UBPR): UBS BANK USA NATIONAL ASSN reported 0.011, in the 31.3th percentile of 33 peers, where the median is 0.013. Return on equity (official UBPR): UBS BANK USA NATIONAL ASSN reported 0.142, in the 65.6th percentile of 33 peers, where the median is 0.124. Estimated uninsured to domestic deposits: UBS BANK USA NATIONAL ASSN reported 0.372, in the 25.0th percentile of 33 peers, where the median is 0.403.
Peer history below covers 43 quarters of UBS BANK USA NATIONAL ASSN's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.287 | 0.063 | 100.0th | 33 |
| Common equity tier 1 ratio | 0.267 | 0.123 | 100.0th | 33 |
| Selected CRE loans to gross loans and leases | 0.017 | 0.283 | 12.5th | 33 |
| Selected CRE loans to total capital | 0.156 | 1.619 | 15.6th | 33 |
| Domestic secured CRE noncurrent ratio | 0.003 | 0.008 | 23.3th | 31 |
| Deposit funding ratio | 0.879 | 0.818 | 97.1th | 35 |
| Nontrading derivative fair value to assets | 0.000 | 0.000 | 0.0th | 21 |
| Unadjusted YTD efficiency ratio | 0.263 | 0.560 | 0.0th | 33 |
| Bank equity to assets | 0.076 | 0.109 | 9.4th | 33 |
| Cash and securities to assets | 0.241 | 0.250 | 40.6th | 33 |
| Quarterly loan growth | 0.034 | 0.023 | 75.0th | 33 |
| Loan-to-asset ratio | 0.747 | 0.671 | 85.3th | 35 |
| Domestic loans to domestic deposits | 0.851 | 0.848 | 56.3th | 33 |
| Net interest margin | 1.962 | 3.313 | 11.8th | 35 |
| Net loans and leases | 92938861.000 | 57158021.000 | 79.4th | 35 |
| Nonaccrual loans ratio | 0.001 | 0.007 | 6.3th | 33 |
| Noncurrent loans ratio | 0.001 | 0.009 | 3.1th | 33 |
| Return on assets | 1.092 | 1.238 | 35.3th | 35 |
| Return on equity | 14.190 | 12.440 | 65.6th | 33 |
| Securities to assets | 0.082 | 0.191 | 9.4th | 33 |
| Selected unused commitments to assets | 0.020 | 0.042 | 15.6th | 33 |
| Time deposits maturing within one year | 0.449 | 0.943 | 0.0th | 33 |
| Total assets | 124438468.000 | 87714456.000 | 70.6th | 35 |
| Total deposits | 109326784.000 | 70671441.000 | 73.5th | 35 |
| Efficiency ratio (official UBPR) | 0.263 | 0.556 | 0.0th | 33 |
| Net interest margin (official UBPR) | 0.020 | 0.033 | 6.3th | 33 |
| Interest Income (TE) as a percent of Average Assets | 0.046 | 0.049 | 21.9th | 33 |
| Interest Expense as a percent of Average Assets | 0.026 | 0.018 | 87.5th | 33 |
| Net Interest Income (TE) % of Avg Assets | 0.019 | 0.031 | 6.3th | 33 |
| Noninterest Income as a percent of Average Assets | 0.001 | 0.009 | 0.0th | 33 |
| Non-Interest Expense as a percent of Average Assets | 0.005 | 0.024 | 0.0th | 33 |
| Provision for Loan Losses % of Avg Assets | 0.000 | 0.002 | 6.3th | 33 |
| Pretax Operating Income (TE) % of Avg Assets | 0.015 | 0.016 | 37.5th | 33 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 12.5th | 33 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.015 | 0.016 | 31.3th | 33 |
| Net Operating Income as a percent of Average Assets | 0.011 | 0.013 | 31.3th | 33 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.011 | 0.013 | 31.3th | 33 |
| Average Earning Assets as a percent of Average Assets | 0.992 | 0.930 | 93.8th | 33 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.916 | 0.733 | 100.0th | 33 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.046 | 0.053 | 3.1th | 33 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.020 | 0.034 | 6.3th | 33 |
| Net Loss as a percent of Average Total Loans and Leases | -0.000 | 0.003 | 0.0th | 33 |
| Total LN&LS-30-89 DAYS Past Due % | 0.000 | 0.003 | 0.0th | 33 |
| Net Loans & Leases as a percent of Total Deposits | 0.850 | 0.832 | 56.3th | 33 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.0th | 33 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 3.1th | 33 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 34.4th | 33 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.015 | 0.018 | 25.0th | 33 |
| Return on assets (official UBPR) | 0.011 | 0.013 | 31.3th | 33 |
| Return on equity (official UBPR) | 0.142 | 0.124 | 65.6th | 33 |
| Estimated uninsured to domestic deposits | 0.372 | 0.403 | 25.0th | 33 |
Peer interpretation
$50B–$250B asset cohort · 34 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 33 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-12 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Total depositsDEP | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Net loansLNLSNET | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | > P75 | > P75 | — |
| Return on assetsROA | > P75 | > P75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Return on equityROE | P25–75 | > P75 | > P75 | > P75 | > P75 | P25–75 | > P75 | > P75 | > P75 | P25–75 | P25–75 | — |
| Net interest marginNIMY | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.