UBS Bank USA, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Total interest expense rose 5.6% from Q1 2026 to Q2 2026, ending at $818.4M against $775.3M. It was the largest change among the key lines on this page. On net interest margin, UBS Bank USA, N.A. is 3rd from the bottom among 44 Utah banks, 1.95% (Q2 2026). The median for banks in the $100B-250B asset tier is 3.43% on net interest margin. UBS Bank USA, N.A. sits 1.48 points lower, at 1.95% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.63% |
| Yield on loans | 4.83% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.89% |
| Cost of interest-bearing deposits | 2.85% |
| Cost of interest-bearing liabilities | 2.89% |
| Cost of borrowings | 3.79% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.95% |
| Yield to cost spread | 1.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.10B |
| Total interest expense | $818.4M |
| Interest expense on deposits | $774.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.06% | 3.35% | 2.00% | 4.92% | 2.49% |
| Q4 2023 | 5.19% | 3.49% | 2.01% | 5.09% | 2.42% |
| Q1 2024 | 5.18% | 3.51% | 1.98% | 5.09% | 2.44% |
| Q2 2024 | 5.27% | 3.57% | 2.01% | 5.24% | 2.49% |
| Q3 2024 | 5.42% | 3.66% | 2.09% | 5.43% | 2.60% |
| Q4 2024 | 5.19% | 3.47% | 2.01% | 5.27% | 2.58% |
| Q1 2025 | 4.89% | 3.21% | 1.94% | 4.98% | 2.47% |
| Q2 2025 | 4.93% | 3.23% | 1.97% | 5.01% | 2.44% |
| Q3 2025 | 5.00% | 3.25% | 2.03% | 5.10% | 2.47% |
| Q4 2025 | 4.87% | 3.08% | 2.05% | 5.05% | 2.95% |
| Q1 2026 | 4.60% | 2.84% | 1.98% | 4.78% | 3.09% |
| Q2 2026 | 4.63% | 2.89% | 1.95% | 4.83% | 3.04% |
UBS Bank USA, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock UBS Bank USA, N.A., freeSource: Call Report Schedules RI and RC-K, 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)