UBS Bank USA, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 40.21 percentage points lower than in Q1 2026, at 61.67%. UBS Bank USA, N.A. ranks 36th of 44 Utah banks on return on assets, in the lower half at 1.14% (Q2 2026). UBS Bank USA, N.A. reported 1.14% on return on assets for Q2 2026, 0.07 points below the 1.21% median for banks in the $100B-250B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 26.74% |
| Tier 1 risk-based capital ratio | 26.74% |
| Total risk-based capital ratio | 27.05% |
| Tier 1 leverage ratio | 8.08% |
| Equity capital to assets | 7.56% |
| Tangible equity to tangible assets | 7.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 1.98% |
| Allowance for credit losses to loans | 0.12% |
| Reserve coverage of non-performing loans | 61.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 15.22% |
| Net interest margin | 1.95% |
| Efficiency ratio | 24.63% |
| Yield on earning assets | 4.63% |
| Cost of funds | 2.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.11% |
| Core deposits to total deposits | 71.28% |
| Brokered deposits to total deposits | 28.72% |
| Deposits to assets | 87.86% |
| Securities to assets | 8.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 27.45% | 27.45% | 27.77% | 9.21% | 1.27% |
| Q4 2023 | 28.14% | 28.14% | 28.46% | 9.20% | 1.19% |
| Q1 2024 | 27.44% | 27.44% | 27.77% | 9.08% | 1.23% |
| Q2 2024 | 27.81% | 27.81% | 28.17% | 9.45% | 1.18% |
| Q3 2024 | 26.90% | 26.90% | 27.26% | 8.97% | 1.29% |
| Q4 2024 | 29.10% | 29.10% | 29.44% | 9.03% | 1.27% |
| Q1 2025 | 29.67% | 29.67% | 29.96% | 9.07% | 1.12% |
| Q2 2025 | 28.95% | 28.95% | 29.22% | 8.97% | 1.18% |
| Q3 2025 | 27.68% | 27.68% | 27.99% | 8.69% | 1.16% |
| Q4 2025 | 28.98% | 28.98% | 29.29% | 8.79% | 1.09% |
| Q1 2026 | 26.46% | 26.46% | 26.79% | 8.06% | 1.06% |
| Q2 2026 | 26.74% | 26.74% | 27.05% | 8.08% | 1.14% |
UBS Bank USA, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock UBS Bank USA, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)