UBS Bank USA, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks UBS Bank USA, N.A. of Salt Lake City, UT against its peer group of 14 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.14% | 1.58% | -0.44% | 46th below |
| ROAE Behind the peer average, ahead of the median peer. | 15.22% | 16.42% | -1.20% | 62nd above |
| Net Interest Margin | 1.95% | 4.16% | -2.21% | 15th bottom |
| Efficiency Ratio | 24.63% | 57.93% | -33.30% | 100th top |
| PPNR / Avg Assets | 1.53% | 2.62% | -1.09% | 23rd bottom |
| Yield on Earning Assets | 4.63% | 6.38% | -1.75% | 8th bottom |
| Cost of Funds | 2.89% | 2.35% | +0.54% | 31st below |
| Net Interest Spread | 1.74% | 3.59% | -1.85% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 1.43% | -1.23% | 92nd top |
| NPA / Total Assets | 0.15% | 0.91% | -0.76% | 92nd top |
| NCO / Avg Loans | -0.02% | 0.91% | -0.93% | 100th top |
| ACL / Total Loans | 0.12% | 2.13% | -2.01% | 0th bottom |
| ACL / NPLs (Coverage) | 61.67% | 180.33% | -118.66% | 8th bottom |
| Texas Ratio | 1.98% | 10.27% | -8.29% | 92nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 26.74% | 13.06% | +13.68% | 100th top |
| Tier 1 Ratio | 26.74% | 13.19% | +13.55% | 100th top |
| Total Capital Ratio | 27.05% | 14.87% | +12.18% | 100th top |
| Leverage Ratio | 8.08% | 9.60% | -1.52% | 8th bottom |
| Equity / Assets | 7.56% | 10.12% | -2.56% | 15th bottom |
| TCE / Tangible Assets | 7.56% | 8.71% | -1.15% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.11% | 75.94% | +9.17% | 38th below |
| Core Deposit Ratio | 71.28% | 85.37% | -14.09% | 8th bottom |
| Uninsured Deposit Ratio Behind the peer average, ahead of the median peer. | 37.16% | 36.15% | +1.01% | 54th above |
| Wholesale Funding Ratio | 3.74% | 6.67% | -2.93% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.87% | 10.65% | -1.78% | 92nd top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.95% | 12.60% | -5.65% | 69th above |
| Deposit Growth (Y/Y) | 11.06% | 10.58% | +0.48% | 92nd top |
See UBS Bank USA, N.A.'s peers by name
The 14 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock UBS Bank USA, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full UBS Bank USA, N.A. profile, how to read a UBPR, or how this data updates.