FDIC Cert #57565 · Salt Lake City, Utah · Est. 2003

UBS Bank USA - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$119.3B
Total assets
A
Health grade · Excellent
1.13%
Return on assets
29.0%
Tier 1 capital

Data updated July 2026

The verdict

UBS Bank USA earns a PlainBankData health grade of A (95/100), with well-capitalized at 28.98% Tier 1, profitable at 1.13% ROA, efficient (23% cost ratio).

#28
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
28.98%
Tier 1 ratio - above the 10% well-capitalized line
52nd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 57565 · UT A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #309/4307
  • PHOTO-FINISH West Coast Community… · CA
  • TIER1-WELL 29.0% Tier 1
  • TEXAS-CLEAN 1.1% Texas
  • ROA-PAR 1.13% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: West Coast Community Bank, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around UBS Bank USA

Lowest and highest poles plus nearest scored peers outside Utah, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cedar Rapids Bank an… · IA ·…95/100Schaumburg Bank & Tr… · IL ·…95/100Town & Country Bank · NV · n…95/100UBS Bank USA · UT · this bank95/100West Coast Community… · CA ·…95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around UBS Bank USA · July 2026

What UBS Bank USA's Call Report plate shows

UBS Bank USA (FDIC Cert #57565) carries a PlainBankData health grade of A at 95/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #309 of 4,307. Tier 1 capital prints at 28.98%, clearing the 10% well-capitalized line. The Texas Ratio is 1.06%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.13%. Balance-sheet scale is $119.3B, 28th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is West Coast Community Bank (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around UBS Bank USA

8 FAILURE resolutions in Utah since 2000 (7 since 2008)

UBS Bank USA's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; UBS Bank USA remains an active FDIC-insured reporter.

  • PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
  • SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
  • CENTENNIAL BANK OGDEN, UT 2010

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Utah banks.

How UBS Bank USA's 95/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10095/100
UBS Bank USA's composite health score
Tier 1 Capital Ratio (28.98%) 40/40
Return on Assets (ROA) (1.13%) 20/25
Texas Ratio (1.06%) 20/20
Efficiency Ratio (22.83%) 15/15

95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$119.3B

Total balance-sheet footings

Total Deposits

$104.6B

Customer-funded liabilities

Net Loans

$88.6B

Outstanding loan book

Net Income

$1.3B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% 35% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 27.58% 28.98% 30.38%
Basel III capital ratios - UBS Bank USA

Where UBS Bank USA ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. UBS Bank USA's score of 95/100 falls in the highlighted band.

UBS Bank USA: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 7% higher than 93% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. UBS Bank USA 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

UBS Bank USA's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). UBS Bank USA's $119.3B falls in the highlighted band.

Safety ratios for UBS Bank USA

Tier 1 capital ratio
Well-capitalized 10%

28.98% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
28.98%
Texas Ratio
1.06%
Equity Capital
$9.7B

What these ratios mean →

Earnings posture at UBS Bank USA

Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
13.69%
Efficiency Ratio
22.83%

What these mean →

Income & expense at UBS Bank USA

$5.7B
Interest Income
$90M
Non-Interest Income
$545M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. UBS Bank USA reports a Texas Ratio of 1.06% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.06% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View UBS Bank USA on FDIC BankFind →

Top banks in Utah by total assets

Largest banks headquartered in Utah
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    Ally Bank $184.6B

    Sandy, UT · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Synchrony Bank $112.1B

    Draper, UT · Grade A

Top 5 banks in Utah ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to UBS Bank USA by assets

Measured strictly by total assets rather than geography, UBS Bank USA's closest national peers include Synchrony Bank, USAA Federal Savings Bank, Santander Bank, City National Bank, spanning 4 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Utah. Averaged across this asset-matched cohort, return on assets runs 1.29% (UBS Bank USA is below that at 1.13%), the efficiency ratio averages 59.80% (UBS Bank USA runs leaner at 22.83%), and Tier 1 capital averages 15.05% (UBS Bank USA holds more at 28.98%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $119.3B in assets, UBS Bank USA sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to UBS Bank USA nationally by total assets
  1. 1
    Synchrony Bank $112.1B

    Draper, UT · Grade A

  2. 2
    USAA Federal Savings Bank $108.0B

    Phoenix, AZ · Grade B

  3. 3
    Santander Bank $104.1B

    Wilmington, DE · Grade A

  4. 4
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  5. 5
    Western Alliance Bank $92.7B

    Phoenix, AZ · Grade B

  6. 6
    Zions Bancorporation $89.0B

    Salt Lake City, UT · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
UBS Bank USA (this bank) UT $119.3B 1.13% 22.83% 28.98%
Synchrony Bank UT $112.1B 2.89% 34.85% 13.70%
USAA Federal Savings Bank AZ $108.0B 0.40% 76.02% 16.46%
Santander Bank, N.A. DE $104.1B 1.36% 59.71% 20.74%
City National Bank CA $98.4B 0.95% 65.09% 16.18%
Western Alliance Bank AZ $92.7B 1.10% 60.19% 11.76%
Zions Bancorporation, N.A. UT $89.0B 1.01% 62.94% 11.48%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($119.3B here), outside Utah so the neighborhood is not state containment.

USAA Federal Savings Bank $108.0B · AZ Santander Bank $104.1B · DE City National Bank $98.4B · CA Western Alliance Bank $92.7B · AZ

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) UBS Bank USA (FDIC Cert #57565) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

UBS Bank USA Call Report profile · FDIC Failed Bank List · Utah FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Utah

All Utah banks →
BankAssetsGradeROA
Morgan Stanley Bank, National AssociationSalt Lake City $253.3B A 1.86%
American Express National BankSandy $211.3B A 3.89%
Ally BankSandy $184.6B A 0.91%
Synchrony BankDraper $112.1B A 2.89%
Zions Bancorporation, N.A.Salt Lake City $89.0B B 1.01%
SoFi Bank, National AssociationCottonwood Heights $46.6B A 1.96%
Sallie Mae BankSalt Lake City $29.7B A 2.90%
Optum Bank, Inc.Draper $20.8B A 2.69%