--- title: "Uniform Bank Performance Report: definition, formula, and thresholds" description: "The Uniform Bank Performance Report (UBPR) is a quarterly analytical report the FFIEC publishes for every bank and savings institution that files a Call Report. It turns the filing into ratios and sets each one beside the average and percentile rank of a peer group of similar-sized banks." canonical_url: https://www.bankregreports.com/glossary/uniform-bank-performance-report/ source: BankRegReports category: "Supervision & Ratings" units: "ratio" --- # Uniform Bank Performance Report > The Uniform Bank Performance Report (UBPR) is a quarterly analytical report the FFIEC publishes for every bank and savings institution that files a Call Report. It turns the filing into ratios and sets each one beside the average and percentile rank of a peer group of similar-sized banks. ## Formula ``` UBPR line = the bank's ratio, its peer group average and its percentile rank (PCT) within the peer group ``` The FFIEC computes the UBPR from each bank's Call Report (FFIEC 031, 041 or 051) once the quarter's filings are in, and posts it free on the FFIEC Central Data Repository. It is built for examiners, bank management and analysts, and covers earnings, the balance sheet, asset quality, liquidity, interest rate risk and capital on separate pages. Income ratios are annualized year to date, so a June report shows six months of earnings at an annual rate. Each ratio is shown for the current period and earlier periods, so the trend is on the same page. The peer group is assigned by total assets, and the PCT column ranks the bank from 0 to 99 within it. Bank holding companies have their own report from the Federal Reserve, built from the FR Y-9C, and credit unions are covered by the NCUA's Financial Performance Report. ## Why it matters The UBPR is the common language of bank analysis in the United States. Examiners read it before an examination, boards and asset-liability committees use it to see where the bank stands against its peers, and investors and acquirers use it to screen. Because every bank's report is built the same way from the same filing, two banks' UBPRs can be compared line by line, which the raw Call Report does not allow without a lot of work. ## How to read it Read each line in three steps: the bank's ratio, the peer group average, then the percentile. The percentile only means something with the measure's direction: a PCT of 90 on return on assets is strong, but a PCT of 90 on the efficiency ratio or the net charge-off rate puts the bank near the bottom of its group, because lower is better for those. Read across the periods next, since a ratio moving away from the peer average for several quarters says more than any single quarter. Check the peer group number too: a bank that grows past an asset boundary is compared with a new group, and its percentiles can move with no change in its own results. Where the assigned group is not the bank's real competition, a custom peer group built from the same Call Report data is the better comparison. ## Thresholds | Range | Reading | What it means | |---|---|---| | Bank | The bank's value | The bank's own ratio for the period, computed from its Call Report. | | Peer group | Peer average | The average for banks in the same asset-size group, with outliers trimmed. | | PCT | Percentile rank | Where the bank sits in its peer group, from 0 to 99. Read it with the ratio's direction. | | Earlier periods | Trend | The same ratio for earlier periods. A steady drift from the peer average is the signal to follow up. | ## Worked example Suppose a $400 million community bank's UBPR shows a return on assets of 1.10% against a peer group average of 0.95%, with a PCT of 68. The bank earns more on its assets than about two-thirds of similar-sized banks. The same report shows an efficiency ratio of 72% with a PCT of 80: because a lower efficiency ratio is better, the bank's costs are higher than those of about 80% of its peers. Read together, the two lines say the bank earns well on its assets despite high costs, which points the next question at its margin and fee income. (Figures are illustrative, not any bank's filing.) ## Questions ### Who publishes the UBPR? The Federal Financial Institutions Examination Council (FFIEC), the interagency body of the federal bank regulators. It computes a UBPR every quarter for each bank and savings institution that files a Call Report and posts it free on the FFIEC Central Data Repository. ### What is the difference between the Call Report and the UBPR? The Call Report is what the bank files: dollar amounts on standard schedules. The UBPR is what the FFIEC computes from it: ratios, growth rates and peer comparisons. Every UBPR figure traces back to Call Report items. ### How is a bank's UBPR peer group chosen? By total assets, with separate groups for savings institutions, new banks and credit card banks. The assignment is recomputed each quarter, so a bank that grows across a size boundary is compared with a new group. ### Do bank holding companies and credit unions have a UBPR? Not the UBPR itself. Bank holding companies have the Federal Reserve's performance report built from the FR Y-9C, and credit unions have the NCUA's Financial Performance Report built from the 5300 Call Report. ### Where can I see UBPR-style ratios for a bank on BankRegReports? Every bank profile shows ratios computed from its Call Report, and the peer analysis page compares the bank with a peer group, with the bank's value, the peer median and its percentile for each measure. The figures come from the same public filings the FFIEC uses. ## Sources - [FFIEC Uniform Bank Performance Report (UBPR) and User's Guide](https://www.ffiec.gov/data/ubpr) - FFIEC Central Data Repository Public Data Distribution (UBPR and Call Report downloads) ## Related metrics - [UBPR Peer Group](https://www.bankregreports.com/glossary/ubpr-peer-group/): A UBPR peer group is the set of similar banks the FFIEC's Uniform Bank Performance Report compares a bank against, assigned by total assets. Every UBPR ratio is shown next to the peer group average and the bank's percentile rank within that group. Until February 26, 2026, the groups for commercial banks with up to $300 million in assets also split by number of banking offices and metropolitan location. - [CAMELS Rating](https://www.bankregreports.com/glossary/camels-rating/): CAMELS is the supervisory rating system examiners use to grade a bank's safety and soundness across six components (Capital, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk) on a 1 (best) to 5 (worst) scale. - [Return on Assets](https://www.bankregreports.com/glossary/roa/): Return on assets (ROA) is a bank's annualized net income divided by its average total assets, expressed as a percentage. It shows how much profit the bank earns on each dollar of its balance sheet, whatever its size or capital structure. - [Efficiency Ratio](https://www.bankregreports.com/glossary/efficiency-ratio/): A bank's efficiency ratio is its noninterest expense divided by its net interest income plus its noninterest income, expressed as a percentage. It shows how many cents the bank spends to earn each dollar of revenue, so a lower ratio is better. - [Texas Ratio](https://www.bankregreports.com/glossary/texas-ratio/): The Texas ratio is a bank's problem assets divided by its tangible equity plus loan loss reserves. Problem assets are nonaccrual loans, loans 90 or more days past due and other real estate owned, net of government guarantees. A ratio above 100% means problem assets exceed the capacity to absorb them, a level long tied to bank failures. ## About this document This is the markdown twin of the page named in `canonical_url` above. Source filings are public record; the cleaning, normalization, cross-source linkage, and derived metrics are BankRegReports' own. Attribute with a link to the canonical URL. Markdown twins are published for editorial content only. Institution data pages do not have them. For data at scale use the API, which is documented at https://www.bankregreports.com/api/ and specified at https://www.bankregreports.com/openapi.json. It returns typed JSON with explicit units and periods, and one call replaces hundreds of page fetches. ## Sitemap - [Glossary](https://www.bankregreports.com/glossary/): every metric, with formula and thresholds - [Blog](https://www.bankregreports.com/blog/): analysis and explainers - [API documentation](https://www.bankregreports.com/api/): the programmatic way to get this data - [XML sitemap](https://www.bankregreports.com/sitemap.xml): the complete crawlable index