UBS Bank USA
UBS Bank USA reported total assets of $124.4 bn at Q2 2026, up 8.9% from a year earlier. That ranks 29th among 497 banks reporting this metric (1 = highest). Its common equity tier 1 ratio was 26.74%, and an estimated 37.16% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Uninsured share of domestic deposits: up 3.40 pp on Q1 2026, to 37.16%
- Bank equity capital: up 4.0% on Q1 2026, to $9.4 bn
- Return on equity (ROE): up 0.75 pp on Q1 2026, to 14.19%
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about UBS Bank USA?
Its largest one-quarter change in total assets since Q1 2016 was +21.5% between Q4 2019 and Q1 2020, a quarter with no merger or acquisition in the FDIC history. Against its six size peers, its efficiency ratio stands out most: 26.34% at Q2 2026, below the peer median of 55.61%. By uninsured share of domestic deposits it moved from 267th to 227th among 500 banks between Q1 2026 and Q2 2026 (1 = highest). Its common equity tier 1 (CET1) ratio of 26.74% at Q2 2026 is in the highest 5% of the 448 banks reporting it (rank 18 of 448, 1 = highest).
How large is UBS Bank USA?
At Q2 2026 the bank held $124.4 bn of assets. Deposits were $109.3 bn and net loans and leases $92.9 bn, a loan-to-deposit ratio of 85.01%. Securities of $10.2 bn made up 8.2% of assets.
Total assets rose 124.3% between Q1 2016 and Q2 2026, from $55.5 bn.
How much of its funding is uninsured?
An estimated 37.16% of domestic deposits were above the FDIC insurance limit at Q2 2026, +3.40 pp from the previous quarter and +9.23 pp from a year earlier. That share ranks 227th among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $124.4 bn | +8.9% | 29th of 497 |
| Total deposits | $109.3 bn | +11.1% | 28th of 499 |
| Net loans and leases | $92.9 bn | +6.9% | 23rd of 500 |
| Bank equity capital | $9.4 bn | -2.6% | 37th of 498 |
| Common equity tier 1 (CET1) ratio | 26.74% | -2.21 pp | 18th of 448 |
| Tier 1 leverage ratio | 8.08% | -0.89 pp | 469th of 500 |
| Return on equity (ROE) | 14.19% | +0.47 pp | 157th of 500 |
| Net interest margin | 1.96% | +0.02 pp | 481st of 500 |
| Uninsured share of domestic deposits | 37.16% | +9.23 pp | 227th of 500 |
| Unrealized gain/loss on held-to-maturity securities | Loss of $327.7 mn | Narrowed by $35.7 mn | |
| Noncurrent loans to total loans | 0.12% | +0.02 pp | 41st of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.01% | -0.07 pp | 27th of 500 (1 = lowest) |
US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026.
- Total assets $124bn
- Deposits $109bn
- Net loans $92.9bn
Capital and securities
The common equity tier 1 (CET1) ratio was 26.74% at Q2 2026, -2.21 pp from a year earlier. Since Q1 2016 it has ranged from 13.06% (Q1 2016) to 39.11% (Q3 2019). At Q2 2026 the tier 1 leverage ratio was 8.08% and the total risk-based capital ratio 27.05%. The median CET1 ratio of the size peers listed below was 15.12% at Q2 2026.
Held-to-maturity securities had an unrealized loss of $327.7 mn at Q2 2026, measured as fair value minus amortized cost, equal to 3.5% of bank equity capital. The loss narrowed by $35.7 mn from a year earlier. The largest unrealized loss on these securities was $731.2 mn at Q3 2023. Available-for-sale securities showed an unrealized loss of $92.1 mn at Q2 2026; the loss turned from a gain into a loss from a year earlier.
Capital ratios
- Total capital 27%
- CET1 27%
- Tier 1 leverage 8.1%
Unrealized gains and losses on securities
- Available for sale -$92mn
- Held to maturity -$328mn
Profitability and loan quality
Return on equity was 14.19% for the year to Q2 2026, annualized, with a return on assets of 1.09% and a net interest margin of 1.96%. The margin was +0.02 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 26.34%. Net income for the year to Q2 2026 was $666.3 mn, up 0.1% on the same period a year earlier. The median return on equity of its size peers was 11.44% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.12% of total loans at Q2 2026. Net charge-offs for the year to date were -0.01% of average loans, annualized.
Profitability
- Return on equity 14%
- Net interest margin 2.0%
- Return on assets 1.1%
Compared with banks of similar size
The six banks ranked closest to UBS Bank USA by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, UBS Bank USA is 4th by total assets. Its CET1 ratio of 26.74% compares with a peer median of 15.12%, its tier 1 leverage ratio of 8.08% compares with a peer median of 9.86%, and its return on equity of 14.19% compares with a peer median of 11.44%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| HSBC Bank USA | $173.1 bn | 15.90% | 10.02% | 71.29% | |
| Regions Bank | $159.8 bn | 11.58% | 12.86% | 39.23% | |
| Pinnacle Bank | $128.8 bn | 10.73% | 9.24% | 49.54% | |
| UBS Bank USA | $124.4 bn | 26.74% | 14.19% | 37.16% | |
| Synchrony Bank | $115.2 bn | 14.35% | 22.07% | 11.92% | |
| USAA Federal Savings Bank | $106.2 bn | 16.89% | 17.44% | 5.19% | |
| Santander Bank | $104.0 bn | 20.26% | 7.54% | 34.05% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 15.12%, return on equity 11.44%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
UBS Bank USA, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 12.3% to $124.4 bn, deposits rose 21.8% to $109.3 bn and bank equity capital rose 2.3% to $9.4 bn. Over the same period its full-time equivalent staff went from 631 to 645 and its offices went from 1 to 1.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $110.8 bn | $119.1 bn | $116.3 bn | $114.3 bn | $115.3 bn | $119.3 bn | $122.3 bn | $124.4 bn |
| Total deposits | $89.7 bn | $99.5 bn | $97.9 bn | $98.4 bn | $99.6 bn | $104.6 bn | $108.2 bn | $109.3 bn |
| Bank equity capital | $9.2 bn | $9.5 bn | $9.9 bn | $9.7 bn | $9.4 bn | $9.7 bn | $9.0 bn | $9.4 bn |
| Common equity tier 1 (CET1) ratio | 26.90% | 29.10% | 29.67% | 28.95% | 27.68% | 28.98% | 26.46% | 26.74% |
| Return on equity (ROE) | 14.65% | 14.79% | 13.48% | 13.72% | 13.85% | 13.69% | 13.44% | 14.19% |
| Uninsured share of domestic deposits | 27.99% | 27.19% | 27.71% | 27.93% | 29.36% | 30.53% | 33.76% | 37.16% |
| Full-time equivalent employees | 631 | 617 | 629 | 645 | 634 | 639 | 659 | 645 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
The FDIC history records no mergers or acquisitions for UBS Bank USA since Q1 2016, and its total assets never moved more than 25% in one quarter.
Identifiers and sources
- FDIC certificate
- 57565
- Federal Reserve RSSD ID
- 3212149
- Head office
- Salt Lake City, Utah
- Holding company
- UBS Group AG
- Holding company RSSD ID
- 4795461
- Holding company SEC CIK
- 1610520
- EconoMonitor ID
- EMB-US-000039
Frequently asked questions
What were UBS Bank USA's total assets?
$124.4 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 29th among 497 banks reporting this metric (1 = highest).
Is UBS Bank USA the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 57565). Its holding company, UBS Group AG, reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after UBS Bank USA files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 57565, and in the Call Reports filed under RSSD ID 3212149 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.