UBS Bank USA
UBS Bank USA reported total assets of $124.4 bn at Q2 2026, up 8.9% on a year earlier, the 29th largest of 497 banks in our US coverage. The CET1 capital ratio at UBS Bank USA was 26.74%, and the uninsured share of UBS Bank USA was 37.16%. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, UBS Bank USA climbed from 353rd to 227th among 500 US banks between and (1 = highest; FDIC Call Reports).
- UBS Bank USA has one of the highest common equity tier 1 (CET1) ratio readings among banks of over $100 bn: 26.74% at , against a median of 13.06% across 32 banks (FDIC Call Reports).
- The net charge-offs to average loans of UBS Bank USA, -0.01% at , places UBS Bank USA in the bottom tenth of banks of over $100 bn (group median 0.36%; FDIC Call Reports).
What sets UBS Bank USA apart
- Among the 32 banks of over $100 bn, few report a lower efficiency ratio than UBS Bank USA, at 26.34% in ; the group median is 54.78%.
- UBS Bank USA reports one of the lowest noncurrent loans to total loans readings among banks of over $100 bn: 0.12% at , where the median of the 32 banks is 0.85%.
How large is UBS Bank USA?
The balance sheet of UBS Bank USA at : assets $124.4 bn, deposits $109.3 bn, net loans $92.9 bn (loans equal to 85.01% of deposits). Securities make up 8.2% of total assets at UBS Bank USA. Since , when UBS Bank USA held $55.5 bn, its assets grew 124.3%. In the year to , deposits at UBS Bank USA rose 11.1% while its total assets rose 8.9%. At , UBS Bank USA employed 645 full-time equivalent staff across 1 office, about $192.9 mn of assets per employee and $109.3 bn of deposits per office.
How much funding at UBS Bank USA is uninsured?
At UBS Bank USA, uninsured deposits (above the FDIC limit) made up 37.16% of domestic deposits at (+9.23 pp on a year earlier); UBS Bank USA ranks 227th of 500 on this measure. In dollars, UBS Bank USA estimated $40.6 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $109.3 bn | +11.1% | 28th of 499 |
| Net loans and leases | $92.9 bn | +6.9% | 23rd of 500 |
| Loan-to-deposit ratio | 85.01% | -3.28 pp | 279th of 500 |
| Tier 1 leverage ratio | 8.08% | -0.89 pp | 469th of 500 |
| Total risk-based capital ratio | 27.05% | -2.17 pp | 18th of 448 |
| Net interest margin | 1.96% | +0.02 pp | 481st of 500 |
| Return on assets (ROA) | 1.09% | -0.05 pp | 348th of 500 |
| Efficiency ratio | 26.34% | +3.74 pp | 15th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $327.7 mn | Narrowed by $35.7 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $92.1 mn | Turned from a gain into a loss | |
| 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 of UBS Bank USA: 1 = highest unless marked 1 = lowest.
Balance sheet
UBS Bank USA: assets, deposits and loans
- Total assets $124bn
- Deposits $109bn
- Net loans $92.9bn
Capital and securities
The CET1 ratio of UBS Bank USA stood at 26.74% in , -2.21 pp year on year. Low and high at UBS Bank USA since : 13.06% () to 39.11% (). Equity capital of UBS Bank USA at : $9.4 bn, or 7.6% of total assets. UBS Bank USA also reported a total capital ratio of 27.05% for , and a tier 1 leverage ratio of 8.08%.
On held-to-maturity securities, UBS Bank USA carried an unrealized loss of $327.7 mn at , equal to 3.5% of equity capital. The loss narrowed by $35.7 mn over the year. Its deepest point: $731.2 mn in . The available-for-sale portfolio of UBS Bank USA showed an unrealized loss of $92.1 mn at ; the loss turned from a gain into a loss over the year.
UBS Bank USA: capital ratios
- Total capital 27%
- CET1 27%
- Tier 1 leverage 8.1%
UBS Bank USA: unrealized securities gains and losses
- Available for sale -$92mn
- Held to maturity -$328mn
Profitability and loan quality
For the year to , UBS Bank USA earned a return on equity of 14.19%; return on assets: 1.09%. Net interest margin at UBS Bank USA: 1.96%, +0.02 pp in a year. UBS Bank USA net income: $666.3 mn, up 0.1% year on year. The efficiency ratio of UBS Bank USA was 26.34%: about 26 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.12% of total loans at UBS Bank USA; net charge-offs: -0.01% of average loans. Gross loans and leases at UBS Bank USA: $93.1 bn, up 6.9% in a year.
UBS Bank USA: profitability
- Return on equity 14%
- Net interest margin 2.0%
- Return on assets 1.1%
Peer group of UBS Bank USA
The peer group of UBS Bank USA is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of UBS Bank USA (national bank), 6 sit in the same size group (over $100 bn) and 1 has its head office in Utah. Against them, UBS Bank USA shows CET1 ratio 26.74% against a peer median of 15.12%, return on equity 14.19% against a peer median of 11.44% and uninsured deposit share 37.16% against a peer median of 36.64%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| HSBC Bank USA | National bank | VA | $173.1 bn | 15.90% | 10.02% | 71.29% | |
| Regions Bank | State member bank | AL | $159.8 bn | 11.58% | 12.86% | 39.23% | |
| Pinnacle Bank | State member bank | TN | $128.8 bn | 10.73% | 9.24% | 49.54% | |
| UBS Bank USA | National bank | UT | $124.4 bn | 26.74% | 14.19% | 37.16% | |
| Synchrony Bank | Federal savings bank | UT | $115.2 bn | 14.35% | 22.07% | 11.92% | |
| USAA Federal Savings Bank | Federal savings bank | AZ | $106.2 bn | 16.89% | 17.44% | 5.19% | |
| Santander Bank | National bank | DE | $104.0 bn | 20.26% | 7.54% | 34.05% | |
. FDIC Call Reports.
Last eight quarters
Two years at UBS Bank USA, to : assets +12.3%, deposits +21.8%, equity +2.3%. Staff 631 to 645.
| 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 |
| 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 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by UBS Bank USA appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of UBS Bank USA?
UBS Bank USA reported $124.4 bn at in its Call Report. That makes UBS Bank USA the 29th largest of 497 banks in our US coverage.
Is UBS Bank USA the same as its holding company?
No. This page covers UBS Bank USA, FDIC certificate 57565; UBS Group AG, its holding company, reports separately to the Federal Reserve.
Is UBS Bank USA profitable?
UBS Bank USA reported net income of $666.3 mn for the year to ; annualized return on equity: 14.19%. So yes: UBS Bank USA made a profit over these months.
When is data for UBS Bank USA next updated?
Figures from UBS Bank USA for are due after .
Where can I check the figures for UBS Bank USA?
In the FDIC BankFind Suite record for certificate 57565, and in the Call Reports of UBS Bank USA (RSSD ID 3212149) at the FFIEC Central Data Repository.