Call Report vs. UBPR: What Each One Shows
The Uniform Bank Performance Report (UBPR) is the FFIEC's quarterly analysis of every commercial bank's call report, turned into ratios and peer-group percentiles. We compute UBPR-style metrics for every U.S. bank: defined, benchmarked, and trended back to 2000.
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.
One point 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 banks of similar asset size. (Until February 26, 2026, the groups for banks with up to $300 million in assets also split by number of offices and metropolitan location; the FFIEC removed both factors in Announcement 2026-02.) 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.
For a walkthrough of each section of the report, read how to read a UBPR, page by page.
UBPR-style analysis on every bank
The ratios, computed for you
Capital, asset-quality, earnings, and liquidity ratios for every FDIC-insured bank, with the formula for each glossary metric published in the glossary.
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 2000
Track any ratio quarter by quarter over a full credit cycle, so a single filing becomes a trajectory rather than a snapshot.
Frequently asked questions
What is a UBPR?
The Uniform Bank Performance Report (UBPR) is an analytical report the FFIEC produces for every commercial bank. It takes the figures a bank reports on its quarterly Call Report and converts them into performance and condition ratios, then compares each ratio against a peer group of similar banks and shows the bank's percentile rank. Banks do not file the UBPR; regulators generate it from call report data.
What is the difference between a Call Report and a UBPR?
The Call Report is the raw quarterly filing a bank submits, full of dollar amounts. The UBPR is the analysis built on top of it: ratios, trends over several quarters, and peer-group percentile rankings. In short, the Call Report is the data and the UBPR is the interpretation that makes one bank comparable to another.
How do UBPR peer groups and percentiles work?
Each bank is assigned to a peer group of banks of similar asset size; savings institutions, de novo banks and credit card banks have their own groups. Until February 26, 2026, the groups for banks with up to $300 million in assets also split by number of banking offices and metropolitan location, factors the FFIEC then removed. Every ratio is then ranked within that peer group as a percentile, so a 90th-percentile return on assets means the bank's ROA is higher than 90 percent of its peers. The percentile, not the raw number, is usually what tells you whether a figure is strong or weak.
Where do I get a bank's UBPR report?
The FFIEC publishes every commercial bank's UBPR free through its Central Data Repository public data site. BankRegReports shows UBPR-style ratios and peer percentiles on every bank's profile, back to 2000.
How often is the UBPR updated?
Every quarter. The FFIEC computes it from Call Report data as filings arrive after each quarter-end, and recalculates when a bank amends its filing.
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.