UBS Bank USA, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.2% to $7.05B. UBS Bank USA, N.A. ranks 6th of 28 Utah banks on CET1 ratio, in the upper half at 26.74% (Q2 2026). UBS Bank USA, N.A.'s CET1 ratio of 26.74% is well above the 12.36% median for banks in the $100B-250B asset tier, a gap of 14.38 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 26.74% |
| Tier 1 risk-based capital ratio | 26.74% |
| Total risk-based capital ratio | 27.05% |
| Tier 1 leverage ratio | 8.08% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $9.96B |
| Tier 1 capital | $9.96B |
| Total risk-based capital | $10.08B |
| Total equity capital | $9.40B |
| Risk-weighted assets | $37.26B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.56% |
| Tangible equity to tangible assets | 7.56% |
| Equity capital to average assets | 7.63% |
| Internal capital growth rate | 15.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $2.91B |
| Retained earnings | $7.05B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$560.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 27.45% | 27.45% | 27.77% | 9.21% | $38.37B |
| Q4 2023 | 28.14% | 28.14% | 28.46% | 9.20% | $36.85B |
| Q1 2024 | 27.44% | 27.44% | 27.77% | 9.08% | $36.85B |
| Q2 2024 | 27.81% | 27.81% | 28.17% | 9.45% | $37.53B |
| Q3 2024 | 26.90% | 26.90% | 27.26% | 8.97% | $36.93B |
| Q4 2024 | 29.10% | 29.10% | 29.44% | 9.03% | $35.39B |
| Q1 2025 | 29.67% | 29.67% | 29.96% | 9.07% | $35.81B |
| Q2 2025 | 28.95% | 28.95% | 29.22% | 8.97% | $35.58B |
| Q3 2025 | 27.68% | 27.68% | 27.99% | 8.69% | $36.04B |
| Q4 2025 | 28.98% | 28.98% | 29.29% | 8.79% | $35.53B |
| Q1 2026 | 26.46% | 26.46% | 26.79% | 8.06% | $36.32B |
| Q2 2026 | 26.74% | 26.74% | 27.05% | 8.08% | $37.26B |
UBS Bank USA, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock UBS Bank USA, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full UBS Bank USA, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57565) · FFIEC NIC profile (RSSD 3212149)