BlastPoint's Banking Scorecard

UBS Bank USA, National Association

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

Salt Lake City, UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 12 in UT.
Deposits +11.1% year over year ($109.3B on the books).
Delinquency rate 0.12%.
Return on assets 1.09%.
Efficiency ratio 26.34% vs a 53.67% peer average.
Loan-to-deposit ratio 85.01% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 12 in UT

View $10B-$250B leaderboard (UT) →

UBS Bank USA, National Association has 3 strengths but faces 7 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 27.33% below tier average
+ Delinquency Rate 0.90% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.5% in tier
- Liquidity Overhang: Bottom 13.6% in tier
- Credit Risk Growth: Bottom 27.1% in tier
- Net Interest Margin 1.96% below tier average
- Non-Interest-Bearing Deposit Share 20.54% below tier average
- Non-Interest Income / Assets 0.45% below tier average
- ROA 0.30% below tier average

Get updates when UBS Bank USA, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$124.4B +8.9% YoY +1.8% QoQ	+$80.8B	$43.6B -13.8% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	Top 7.2% in tier
Total Loans ?	$92.9B +6.9% YoY +3.4% QoQ	+$65.0B	$28.0B -8.6% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	Top 5.0% in tier
Total Deposits ?	$109.3B +11.1% YoY +1.1% QoQ	+$73.9B	$35.4B -14.0% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	Top 6.5% in tier
Return on Assets ?	1.09% -4.4% YoY +4.6% QoQ	-0.30%	1.39% +25.9% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	35%
Net Interest Margin ?	1.96% +0.8% YoY -0.1% QoQ	-1.96%	3.92% +8.9% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	Bottom 5.8% in tier
Efficiency Ratio ?	26.34% +16.5% YoY -6.3% QoQ	-27.33%	53.67% -1.9% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	Top 4.3% in tier
Delinquency Rate ?	0.12% +25.4% YoY -1.4% QoQ	-0.90%	1.01% -2.8% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	Top 5.1% in tier
Loan-to-Deposit Ratio ?	85.01% -3.7% YoY +2.3% QoQ	+2.40%	82.61% +3.1% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	53%
Non-Interest-Bearing Deposit Share ?	0.04% +208.0% YoY +105.7% QoQ	-20.54%	20.58% +4.9% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	Bottom 4.3% in tier
Nonperforming Asset Ratio ?	0.09% +25.8% YoY +2.3% QoQ	-0.64%	0.73% +5.8% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	Top 7.9% in tier
Tier 1 Capital Ratio ?	26.74% -7.6% YoY +1.0% QoQ	+11.39%	15.35% -0.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	Top 5.0% in tier
Non-Interest Income / Assets ?	0.04% -13.3% YoY +131.0% QoQ	-0.45%	0.50% +10.5% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	Bottom 5.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Noninterest-Bearing	0.0% 0.0pp YoY 0.0pp QoQ	-21.0pp	21.0%	20.1%	22.2%	2%
Brokered Deposits	28.7% -4.0pp YoY -1.5pp QoQ	+19.5pp	9.2%	28.6%	8.5%	93%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	0.9% +0.2pp YoY 0.0pp QoQ	-16.3pp	17.2%	25.0%	12.5%	3%
CRE	1.7% -0.8pp YoY -0.1pp QoQ	-40.3pp	42.0%	44.1%	41.4%	1%
1-4 Family	35.2% -0.3pp YoY -0.6pp QoQ	+12.1pp	23.1%	13.8%	31.3%	85%
Consumer	1.5% +0.1pp YoY 0.0pp QoQ	-11.4pp	12.9%	45.8%	5.0%	50%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	26.7% -2.2pp YoY +0.3pp QoQ	+11.5pp	15.3%	25.0%	19.7%	94%
Leverage Ratio	8.1% -0.9pp YoY 0.0pp QoQ	-2.3pp	10.4%	15.7%	12.6%	9%
Total Capital Ratio	27.1% -2.2pp YoY +0.3pp QoQ	+10.5pp	16.5%	26.3%	20.8%	94%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	645 0 YoY -14 (-2.1%) QoQ	-2,613	3,258	1,029	482	12%
Assets per Employee ($)	$192.9M +8.9% YoY +4.0% QoQ	+$165.9M	$27.0M	$39.6M	$8.8M	99%
Branch Count	1 0 YoY 0 QoQ	-137	137	13	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.6%	0.4%	10%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.6pp	0.7%	1.2%	1.0%	8%
Allowance Coverage	1.02x -6.8% YoY -3.3% QoQ	-1.79x	2.81x	7.86x	20.23x	20%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.4pp	0.4%	3.6%	0.2%	3%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	14.2% +0.5pp YoY +0.8pp QoQ	+1.6pp	12.6%	15.9%	11.6%	73%
Cost of Funds (YTD)	2.6% -0.3pp YoY 0.0pp QoQ	+0.7pp	2.0%	2.3%	1.7%	85%
Net Income ($, YTD)	$666.3M +0.1% YoY — QoQ	+$369.5M	$296.8M	$307.8M	$40.4M	91%

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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 (3)

Credit Quality Pressure

risk

#2 of 67 • Bottom 1.5% 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: 1.01%, National: 0.98%)

better than tier avg

67 of 67 Large banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#4 of 22 • Bottom 13.6% 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: 26.74%

(Tier: 15.35%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 85.01%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

22 of 22 Large banks match · 940 nationally

→ Stable +7 banks QoQ

Credit Risk Growth

risk

#17 of 59 • Bottom 27.1% in tier

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

59 of 59 Large banks match · 1401 nationally

→ Stable -58 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 139 peers in $10B-$250B

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 26.34%

Peer Median: 53.67%

#7 of 139 Top 4.3% in $10B-$250B

Total Loans

size

Value: $92.94B

Peer Median: $27.97B

#8 of 139 Top 5.0% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 26.74%

Peer Median: 15.35%

#8 of 139 Top 5.0% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.12%

Peer Median: 1.01%

#8 of 138 Top 5.1% in $10B-$250B

Total Deposits

size

Value: $109.33B

Peer Median: $35.42B

#10 of 139 Top 6.5% in $10B-$250B

Total Assets

size

Value: $124.44B

Peer Median: $43.60B

#11 of 139 Top 7.2% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.09%

Peer Median: 0.73%

#12 of 139 Top 7.9% in $10B-$250B

Top Weaknesses (3 metrics)

134

Non-Interest-Bearing Deposit Share

funding

Value: 0.04%

Peer Median: 20.58%

#134 of 139 Bottom 4.3% in $10B-$250B

133

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.50%

#133 of 139 Bottom 5.0% in $10B-$250B

132

Net Interest Margin

profitability

Value: 1.96%

Peer Median: 3.92%

#132 of 139 Bottom 5.8% in $10B-$250B