UBS Bank USA, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 1.91 percentage points in Q2 2026, from 83.20% to 85.11%. It was the largest change from Q1 2026 among the key lines here. UBS Bank USA, N.A. ranks 25th of 44 Utah banks on loan-to-deposit ratio, in the lower half at 85.11% (Q2 2026). The median for banks in the $100B-250B asset tier is 81.12% on loan-to-deposit ratio. UBS Bank USA, N.A. sits 4.00 points higher, at 85.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $93.05B |
| Net loans and leases | $92.94B |
| Loans held for sale | $0 |
| Loans to total assets | 74.78% |
| Loan-to-deposit ratio | 85.11% |
| Net loans to equity capital | 9.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.46% |
| Multifamily (5+ residential) | 0.22% |
| Commercial and industrial | 0.87% |
| Consumer | 1.48% |
| Credit cards | 0.34% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 135.45% |
| Construction concentration (Tier 1 capital + allowance) | 0.02% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.83% |
| Interest income on loans | $1.10B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $85.62B | $90.96B | 1.86% | 8.13% | 42.69% |
| Q4 2023 | $83.18B | $91.26B | 1.95% | 8.18% | 42.18% |
| Q1 2024 | $81.82B | $89.86B | 2.04% | 8.19% | 41.88% |
| Q2 2024 | $83.23B | $88.13B | 1.94% | 8.18% | 41.68% |
| Q3 2024 | $83.33B | $89.73B | 1.95% | 8.33% | 41.77% |
| Q4 2024 | $84.76B | $99.53B | 1.92% | 0.57% | 1.38% |
| Q1 2025 | $85.50B | $97.88B | 1.90% | 0.65% | 1.34% |
| Q2 2025 | $87.01B | $98.44B | 1.82% | 0.70% | 1.36% |
| Q3 2025 | $87.59B | $99.61B | 1.98% | 0.73% | 1.32% |
| Q4 2025 | $88.68B | $104.63B | 1.54% | 0.81% | 1.37% |
| Q1 2026 | $89.99B | $108.16B | 1.57% | 0.84% | 1.43% |
| Q2 2026 | $93.05B | $109.33B | 1.46% | 0.87% | 1.48% |
UBS Bank USA, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock UBS Bank USA, N.A., freeSource: Call Report Schedule RC-C, 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)