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UBS Bank USA
Salt Lake City, UT·FDIC Cert #57565·Charter: STATE·Est. 20030915.0·HC: UBS GROUP AG
Total Assets
$119.3B
Q4 2025
Return on Assets
1.13%
-0.02%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
22.83%
Peer avg: 52.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
66
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.13%-0.02
ROE
13.69%-0.16
Efficiency
22.83%+0.20
Equity/Assets
0.00%+0.00
NPL Ratio
0.12%-0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
84.65%-3.18
Charge-offs
0.05%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.1 | 1.1 |
| ROE | 14.8 | 14.2 | 14.7 | 14.8 | 13.5 | 13.7 | 13.8 | 13.7 |
| Efficiency | 19.5 | 20.8 | 20.8 | 20.6 | 21.4 | 22.6 | 22.6 | 22.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.1 |
| Loan/Deposit | 90.9 | 94.3 | 92.7 | 85.0 | 87.2 | 88.3 | 87.8 | 84.7 |
Balance Sheet
Total Assets$119.3B
Total Deposits$104.6B
Total Loans$88.6B
Total Equity$9.7B
Profitability
ROA1.13%
ROE13.69%
Efficiency Ratio22.83%
Net Income$1.3B
Risk & Asset Quality
NPL Ratio0.12%
Charge-off Rate0.05%
Loan/Deposit84.65%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans