UBS Bank USA, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
UBS Bank USA, N.A. is an FDIC-insured commercial bank, in the Salt Lake City metropolitan region. Returns are in line with industry norms at 1.14% ROA and 15.22% ROE; net interest margin is 1.95%. UBS Bank USA's Q2 2026 balance sheet shows $124.4B in assets funded primarily by $109.3B in customer deposits. Capital is comfortably above regulatory requirements, CET1 ratio of 26.74% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine, 0.20% NPLs and a 1.98% Texas Ratio. The bank operates from a single office.
As of June 30, 2026, UBS Bank USA, N.A. reported a CET1 capital ratio of 26.74%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.20%, a Texas ratio of 1.98%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 95 S State St, Salt Lake City, UT 84111
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- September 15, 2003
- Offices
- 1 domestic
- Employees (FTE)
- 645
- Domestic deposits
- $109.33B
- Allowance for credit losses
- $113.3M
- Net charge-offs (YTD)
- -$3.6M
- Average total assets
- $123.28B
- Average total loans
- $91.58B
- Average interest-bearing deposits
- $108.54B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 15, 2003
- FDIC Cert
- 57565
- Fed RSSD
- 3212149
- SEC CIK
- 1610520 → filed by UBS GROUP AG
- Parent Holding Company
- UBS AMERICAS INC. (RSSD 2967509)
- Ultimate Parent
- UBS GROUP AG (RSSD 4795461)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for UBS Bank USA, N.A.: CET1 ratio, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.74% | 1.14% | 0.20% | 1.98% | 1.95% |
| Q1 2026 | 26.46% | 1.06% | 0.13% | 1.24% | 1.98% |
| Q4 2025 | 28.98% | 1.09% | 0.12% | 1.06% | 2.05% |
| Q3 2025 | 27.68% | 1.16% | 0.22% | 2.03% | 2.03% |
| Q2 2025 | 28.95% | 1.18% | 0.09% | 0.85% | 1.97% |
| Q1 2025 | 29.67% | 1.12% | 0.08% | 0.71% | 1.94% |
| Q4 2024 | 29.10% | 1.27% | 0.10% | 0.91% | 2.01% |
| Q3 2024 | 26.90% | 1.29% | 0.10% | 0.94% | 2.09% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| UBS Bank USA, N.A. (main office) | Salt Lake City , UT | 84111 | $109.33B |
Regulatory record
What the public regulatory sources show for UBS Bank USA, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 8.9% of deposits in UT, rank 5 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,986 applications, 3,386 loans originated, $4.67B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about UBS Bank USA, N.A.
What are UBS Bank USA, N.A.'s total assets?
As of the Q2 2026 filing, UBS Bank USA, N.A. reported total assets of $124.44 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is UBS Bank USA, N.A. headquartered?
UBS Bank USA, N.A. is headquartered in Salt Lake City, UT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was UBS Bank USA, N.A. founded?
UBS Bank USA, N.A. was established in 2003, per the FDIC institution directory.
Is UBS Bank USA, N.A. FDIC-insured?
Yes. UBS Bank USA, N.A. is an FDIC-insured commercial bank (FDIC Certificate #57565). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates UBS Bank USA, N.A.?
UBS Bank USA, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is UBS Bank USA, N.A.'s CET1 capital ratio?
UBS Bank USA, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 26.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does UBS Bank USA, N.A. operate?
UBS Bank USA, N.A. operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is UBS Bank USA, N.A.'s Texas Ratio?
UBS Bank USA, N.A.'s Texas Ratio is 1.98% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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