UBS Bank USA, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Net loans and leases to deposits: 1.92 percentage points higher than in Q1 2026, at 85.01%. Within Utah, UBS Bank USA, N.A. is 25th of 44 on loan-to-deposit ratio, 85.11% as of Q2 2026, below the middle of the field. UBS Bank USA, N.A. reported 85.11% on loan-to-deposit ratio for Q2 2026, 4.00 points above the 81.12% median for banks in the $100B-250B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.88B |
| Cash and noninterest-bearing balances to assets | 15.97% |
| Cash and securities | $30.03B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $243.2M |
| Other borrowed money | $4.41B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.11% |
| Net loans and leases to deposits | 85.01% |
| Loans and leases to core deposits | 85.11% |
| Core deposits to total deposits | 71.28% |
| Brokered deposits to total deposits | 28.72% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 94.13% | 73.25% | $0 | $12.85B |
| Q4 2023 | 91.14% | 71.64% | $0 | $12.85B |
| Q1 2024 | 91.05% | 69.64% | $231.3M | $10.35B |
| Q2 2024 | 94.45% | 70.89% | $267.0M | $10.60B |
| Q3 2024 | 92.86% | 71.40% | $243.3M | $10.60B |
| Q4 2024 | 85.17% | 69.40% | $232.0M | $9.10B |
| Q1 2025 | 87.35% | 68.96% | $237.9M | $7.60B |
| Q2 2025 | 88.39% | 67.26% | $240.4M | $5.14B |
| Q3 2025 | 87.94% | 67.22% | $543.0M | $4.14B |
| Q4 2025 | 84.76% | 68.44% | $248.4M | $4.18B |
| Q1 2026 | 83.20% | 69.75% | $244.0M | $4.18B |
| Q2 2026 | 85.11% | 71.28% | $243.2M | $4.41B |
UBS Bank USA, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock UBS Bank USA, N.A., freeSource: Call Report Schedules RC and RC-M, 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)