What is a UBPR?
The Uniform Bank Performance Report turns a bank's call report into ratios and peer-group percentiles. We compute UBPR-style metrics for every U.S. bank — defined, benchmarked, and trended back to 2001.
The UBPR, in plain English
The Uniform Bank Performance Report (UBPR) is an analytical report the FFIEC produces for every commercial bank in the country. It takes the dollar figures a bank reports on its quarterly Call Report and converts them into the performance and condition ratios examiners and analysts actually use — capital adequacy, asset quality, earnings, and liquidity — then shows how each one stacks up against a peer group of similar banks.
A crucial point that trips people up: banks do not file a UBPR. They file the Call Report; regulators generate the UBPR from it. So the UBPR is the interpretation layer, and the Call Report is the underlying data.
Call Report vs. UBPR
The two are easy to confuse but do different jobs:
- The Call Report is the raw quarterly filing — balance sheet, income statement, and supporting schedules, expressed in dollars.
- The UBPR is the analysis built on top of it — ratios, multi-quarter trends, and peer-group percentile rankings that make one bank comparable to another.
If you want the dollar amounts, you want the call report. If you want to know whether a bank's margin, efficiency, or capital is strong or weak relative to its peers, you want the UBPR view.
How to read a UBPR: peer groups and percentiles
The single most important idea in a UBPR is the peer group. Each bank is assigned to a group of institutions with a similar profile — generally based on asset size, branch count, and whether it operates in a metropolitan area. Every ratio is then ranked within that peer group as a percentile.
That percentile is usually what matters. A 1.10% return on assets means little on its own; a 90th-percentile ROA tells you the bank out-earns 90% of comparable institutions. Reading a UBPR well means looking past the raw ratio to where it sits in the peer distribution, and watching how that position drifts over several quarters.
UBPR-style analysis on every bank
The ratios, computed for you
Capital, asset-quality, earnings, and liquidity ratios for every FDIC-insured bank — each with a published, MDRM-level formula you can audit line by line.
Custom peer groups
Use the standard peer logic or build your own peer set, then see exactly where a bank ranks on every metric — not just the number, but the percentile.
Trends back to 2001
Track any ratio quarter by quarter over a full credit cycle, so a single filing becomes a trajectory rather than a snapshot.
Keep reading
- What is a Call Report? — the quarterly filing the UBPR is built from.
- Banking metrics glossary — every UBPR ratio defined, with formulas and supervisory thresholds.
- Peer comparison — benchmark a bank against the institutions most like it.
- Bank rankings — U.S. banks ranked by the performance metrics the UBPR tracks.
Read any bank's UBPR-style report
Ratios, peer percentiles, and multi-year trends for every FDIC-insured bank.