BlastPoint's Banking Scorecard

UBS Bank USA, National Association

$10B-$250B Specialty: Other UT FDIC cert 57565

Salt Lake City, UT

137 banks in the $10B-$250B peer group nationally 11 in UT

UBS Bank USA, National Association has 3 strengths but faces 8 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 25.91% below tier average
+ Delinquency Rate 0.90% below tier average
+ Nonperforming Asset Ratio 0.63% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 0.1% in tier
- Credit Quality Pressure: Bottom 4.2% in tier
- Liquidity Overhang: Bottom 12.5% in tier
- Credit Risk Growth: Bottom 19.7% in tier
- Net Interest Margin 1.81% below tier average
- Non-Interest-Bearing Deposit Share 20.02% below tier average
- Non-Interest Income / Assets 0.21% below tier average
- ROA 0.24% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$122.3B +5.1% YoY +2.5% QoQ	+$75.3B	$47.0B -1.9% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	Top 8.8% in tier
Total Loans ?	$89.9B +5.2% YoY +1.5% QoQ	+$60.5B	$29.4B -0.4% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	Top 5.8% in tier
Total Deposits ?	$108.2B +10.5% YoY +3.4% QoQ	+$69.7B	$38.4B -1.6% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	Top 8.0% in tier
Return on Assets ?	1.04% -6.2% YoY -7.5% QoQ	-0.24%	1.28% +18.7% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	35%
Net Interest Margin ?	1.96% +1.8% YoY -1.1% QoQ	-1.81%	3.77% +5.8% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	Bottom 5.8% in tier
Efficiency Ratio ?	28.09% +31.3% YoY +23.1% QoQ	-25.91%	54.01% -3.7% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	Top 7.3% in tier
Delinquency Rate ?	0.12% +45.1% YoY +3.1% QoQ	-0.90%	1.02% -3.8% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	Top 5.9% in tier
Loan-to-Deposit Ratio ?	83.09% -4.8% YoY -1.8% QoQ	+2.30%	80.79% +1.9% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	53%
Non-Interest-Bearing Deposit Share ?	0.02% -67.7% YoY +12.2% QoQ	-20.02%	20.04% +0.2% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	Bottom 4.4% in tier
Nonperforming Asset Ratio ?	0.09% +45.3% YoY +2.1% QoQ	-0.63%	0.72% +4.2% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	Top 9.5% in tier
Tier 1 Capital Ratio ?	26.46% -10.8% YoY -8.7% QoQ	+10.95%	15.51% -0.4% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	Top 6.6% in tier
Non-Interest Income / Assets ?	0.02% -22.2% YoY -76.2% QoQ	-0.21%	0.22% +0.3% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	Bottom 6.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Cost Spiral

risk

#1 of 14 • Bottom 0.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 28.09%

(Tier: 54.01%, National: 66.95%)

better than tier avg

14 of 14 Large banks match · 176 nationally

↑ Growing +82 banks QoQ

Credit Quality Pressure

risk

#4 of 72 • Bottom 4.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.12%

(Tier: 1.02%, National: 0.95%)

better than tier avg

72 of 72 Large banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#4 of 24 • Bottom 12.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 26.46%

(Tier: 15.51%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 83.09%

(Tier: 80.79%, National: 76.70%)

worse than tier avg

24 of 24 Large banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#14 of 66 • Bottom 19.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

66 of 66 Large banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (7 metrics)

Total Loans

size

Value: $89.88B

Peer Median: $29.36B

#9 of 137 Top 5.8% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.12%

Peer Median: 1.02%

#9 of 136 Top 5.9% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 26.46%

Peer Median: 15.51%

#10 of 137 Top 6.6% in $10B-$250B

Efficiency Ratio

profitability

Value: 28.09%

Peer Median: 54.01%

#11 of 137 Top 7.3% in $10B-$250B

Total Deposits

size

Value: $108.16B

Peer Median: $38.42B

#12 of 137 Top 8.0% in $10B-$250B

Total Assets

size

Value: $122.26B

Peer Median: $46.96B

#13 of 137 Top 8.8% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.09%

Peer Median: 0.72%

#14 of 137 Top 9.5% in $10B-$250B

Top Weaknesses (3 metrics)

132

Non-Interest-Bearing Deposit Share

funding

Value: 0.02%

Peer Median: 20.04%

#132 of 137 Bottom 4.4% in $10B-$250B

130

Net Interest Margin

profitability

Value: 1.96%

Peer Median: 3.77%

#130 of 137 Bottom 5.8% in $10B-$250B

129

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.22%

#129 of 137 Bottom 6.6% in $10B-$250B