UBS Bank USA, N.A.
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Data as of · sourced from FFIEC call reports. How we update
UBS Bank USA, N.A. is an FDIC-insured commercial bank headquartered in Salt Lake City, UT, supervised by the OCC, with $124.44B in total assets at Q2 2026, up 8.9% from Q2 2025, the 4th largest of 44 banks headquartered in Utah. It was established in 2003 and holds FDIC certificate 57565. Its CET1 capital ratio was 26.74% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57565
- Headquarters
- Salt Lake City, UT
- Established
- 2003
- Total assets, Q2 2026
- $124.44B
- Assets vs Q2 2025
- +8.9%
- CET1 ratio, Q2 2026
- 26.74%
- Domestic offices
- 1 · UBS Bank USA, N.A. branches FDIC institution directory, current count
- Routing number
- 026073192
- Safety and soundness
- Is UBS Bank USA, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 031 · UBS Bank USA, N.A. call report
- Holding company
- UBS AMERICAS INC.
- Asset rank in state
- 4th of 44 in Utah
UBS Bank USA, N.A. is the 29th-largest bank in the United States, with $124.4 billion in assets at June 30, 2026, up 8.9% from a year earlier. It is headquartered in Salt Lake City, Utah. It spends about 25 cents to bring in each dollar of revenue, about half the median of 55 cents for the 14 banks with $100 billion to $250 billion in assets. It also holds common equity equal to 26.74% of its risk-weighted assets, about double the median of 12.29% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 6.9% and deposits rose 11.1%. Concentration is the risk to watch: it holds commercial real estate loans worth 1.4 times its capital, higher than about 9 in 10 banks its size (median 0.9 times).
As of June 30, 2026, UBS Bank USA, N.A. reported a CET1 capital ratio of 26.74%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 1.19%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, UBS Bank USA, N.A. is the 4th largest of the 44 banks headquartered in Utah. Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $124.44B, loans rose 3.4% and deposits rose 1.1%. Its loan book on June 30, 2026 was led by loans for purchasing or carrying securities, at 54.4% of total loans, followed by 1-4 family residential loans at 35.2%. The FDIC Summary of Deposits lists a single office for it, in Salt Lake City, UT. By the capital ratios in its Q2 2026 call report, UBS Bank USA, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 95 S State St, Salt Lake City, UT 84111
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- September 15, 2003
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 645
- Domestic deposits
- $109.33B
- Allowance for credit losses
- $113.3M
- Net charge-offs (YTD)
- -$3.6M
- Average total assets
- $123.28B
- Average total loans
- $91.58B
- Average interest-bearing deposits
- $108.54B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 15, 2003
- FDIC Cert
- 57565
- Fed RSSD
- 3212149
- SEC CIK
- 1610520 → filed by UBS GROUP AG
- Parent Holding Company
- UBS AMERICAS INC. (RSSD 2967509)
- Ultimate Parent
- UBS GROUP AG (RSSD 4795461)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, UBS Bank USA, N.A.'s total assets ran between $109.62B (Q2 2024) and $124.44B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$124.44B total assets against $114.29B; $115.04B total liabilities against $104.64B.
$92.94B net loans and leases against $86.92B; $109.33B total deposits against $98.44B.
$10.16B securities against $6.74B; $19.88B cash and balances due against $19.52B.
$1.42B total interest income against $1.41B; $818.4M total interest expense against $845.0M.
$596.9M net interest income against $560.5M.
$29.8M total noninterest income against $28.0M; $154.4M total noninterest expense against $140.1M.
-$5.9M provision for credit losses against -$9.8M.
$350.9M net income against $338.1M.
1.14% return on assets against 1.18%; 1.95% net interest margin against 1.97%.
26.74% CET1 capital ratio against 28.95%; 8.08% tier 1 leverage ratio against 8.97%.
Inside the full UBS Bank USA, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUBS Bank USA, N.A. rankings
Its closest position to the top of a national ranking is 22 of 3,606, for efficiency ratio; its furthest is 2,598 of 3,640, for Texas Ratio.
Metric pages for UBS Bank USA, N.A.: CET1 ratio, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.06% (Q1 2026) to 1.29% (Q3 2024) and its net interest margin ran from 1.94% (Q1 2025) to 2.09% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.74% | 1.14% | 0.12% | 1.19% | 1.95% |
| Q1 2026 | 26.46% | 1.06% | 0.12% | 1.19% | 1.98% |
| Q4 2025 | 28.98% | 1.09% | 0.12% | 1.06% | 2.05% |
| Q3 2025 | 27.68% | 1.16% | 0.22% | 2.03% | 2.03% |
| Q2 2025 | 28.95% | 1.18% | 0.10% | 0.85% | 1.97% |
| Q1 2025 | 29.67% | 1.12% | 0.08% | 0.71% | 1.94% |
| Q4 2024 | 29.10% | 1.27% | 0.10% | 0.91% | 2.01% |
| Q3 2024 | 26.90% | 1.29% | 0.10% | 0.94% | 2.09% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| UBS Bank USA, N.A. (main office) | Salt Lake City , UT | 84111 | $109.33B |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 8.9% of deposits in UT, rank 5 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,986 applications, 3,386 loans originated, $4.67B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about UBS Bank USA, N.A.
What are UBS Bank USA, N.A.'s total assets?
As of the Q2 2026 filing, UBS Bank USA, N.A. reported total assets of $124.44 billion in its FFIEC call report.
Where is UBS Bank USA, N.A. headquartered?
It is headquartered in Salt Lake City, UT, United States.
When was UBS Bank USA, N.A. founded?
It was established in 2003, per the FDIC institution directory.
Is UBS Bank USA, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57565). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates UBS Bank USA, N.A.?
UBS Bank USA, N.A.'s primary federal regulator is the OCC.
What is UBS Bank USA, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 26.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does UBS Bank USA, N.A. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is UBS Bank USA, N.A.'s Texas Ratio?
Its Texas Ratio is 1.19% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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