BlastPoint's Banking Scorecard
UBS Bank USA, National Association
Large
Specialty: Other
UT
FDIC cert 57565
Salt Lake City, UT
69
banks in Large tier nationally
7 in UT
View Large leaderboard (UT) →
UBS Bank USA, National Association has 4 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 32.20% below tier
- + Delinquency Rate 0.76% below tier
- + Nonperforming Asset Ratio 0.46% below tier
- + Tier 1 Capital Ratio 15.65% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1% in Large
- - Credit Quality Pressure: Bottom 1% in Large
- - Credit Risk Growth: Bottom 16% in Large
- - Flatlined Growth: Bottom 44% in Large
- - Net Interest Margin 1.48% below tier
- - Non-Interest-Bearing Deposit Share 19.95% below tier
- - Non-Interest Income / Assets 1.01% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$119.3B
+0.2% YoY
+3.5% QoQ
|
+$44.5B |
$74.9B
-4.4% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$88.6B
+4.6% YoY
+1.2% QoQ
|
+$42.1B |
$46.4B
-2.1% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$104.6B
+5.1% YoY
+5.0% QoQ
|
+$44.2B |
$60.5B
-4.5% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.13%
-8.1% YoY
-1.5% QoQ
|
-0.06% |
1.19%
+17.8% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
1.98%
-1.1% YoY
+0.8% QoQ
|
-1.48% |
3.46%
+13.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
22.83%
+10.7% YoY
+0.9% QoQ
|
-32.20% |
55.03%
-2.8% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.12%
+13.2% YoY
-46.5% QoQ
|
-0.76% |
0.88%
-0.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
Top 4% in tier |
| Loan-to-Deposit Ratio ? |
84.65%
-0.5% YoY
-3.6% QoQ
|
+2.93% |
81.72%
+3.9% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
0.02%
-73.5% YoY
-30.5% QoQ
|
-19.95% |
19.97%
+0.5% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.09%
+18.2% YoY
-47.7% QoQ
|
-0.46% |
0.55%
+9.0% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| Tier 1 Capital Ratio ? |
28.98%
-0.4% YoY
+4.7% QoQ
|
+15.65% |
13.33%
-0.7% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.08%
-19.6% YoY
+8.6% QoQ
|
-1.01% |
1.09%
+2.4% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (4)
Efficiency Ratio
metric
Top 1%
in Large
Why this stands out
Current:
22.83%
(Tier avg: 55.03%, National avg: 65.09%)
Delinquency Rate
metric
Top 4%
in Large
Why this stands out
Current:
0.12%
(Tier avg: 0.88%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 9%
in Large
Why this stands out
Current:
0.09%
(Tier avg: 0.55%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Large
Why this stands out
Current:
28.98%
(Tier avg: 13.33%, National avg: 9.75%)
Concerns (7)
Liquidity Overhang
risk
#1 of 14 · Bottom 1% in Large
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
28.98%
(Tier: 13.33%, National: 9.75%)
Loan-to-Deposit Ratio:
84.65%
(Tier: 81.72%, National: 78.04%)
14 of 14 Large banks match
·
314 nationally
→ Stable
+6 banks QoQ
Credit Quality Pressure
risk
#1 of 35 · Bottom 1% in Large
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.88%, National: 0.66%)
35 of 35 Large banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#5 of 26 · Bottom 16% in Large
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
26 of 26 Large banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#8 of 17 · Bottom 44% in Large
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.13%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Net Interest Margin
metric
Bottom 7%
in Large
Why this stands out
Current:
1.98%
(Tier avg: 3.46%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Large
Why this stands out
Current:
0.02%
(Tier avg: 19.97%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 4%
in Large
Why this stands out
Current:
0.08%
(Tier avg: 1.09%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Tier 1 Capital Ratio
Current: 28.98% · Tier avg: 13.33%
99
99th pctile
Efficiency Ratio
Current: 22.83% · Tier avg: 55.03%
96
96th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.88%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.55%
86
86th pctile
Total Loans
Current: $88.6B · Tier avg: $46.4B
84
84th pctile
Total Assets
Current: $119.3B · Tier avg: $74.9B
84
84th pctile
Total Deposits
Current: $104.6B · Tier avg: $60.5B
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.65% · Tier avg: 81.72%
45
45th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.19%
7
7th pctile
Net Interest Margin
Current: 1.98% · Tier avg: 3.46%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 0.02% · Tier avg: 19.97%
4
4th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 1.09%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 1.09%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 0.02% · Tier avg: 19.97%
7
7th pctile
Net Interest Margin
Current: 1.98% · Tier avg: 3.46%
45
45th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.19%
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.65% · Tier avg: 81.72%
84
84th pctile
Total Deposits
Current: $104.6B · Tier avg: $60.5B
84
84th pctile
Total Assets
Current: $119.3B · Tier avg: $74.9B
86
86th pctile
Total Loans
Current: $88.6B · Tier avg: $46.4B
91
91th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.55%
96
96th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.88%
99
99th pctile
Efficiency Ratio
Current: 22.83% · Tier avg: 55.03%
100
100th pctile
Tier 1 Capital Ratio
Current: 28.98% · Tier avg: 13.33%