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Ubs Bank Usa National Association

IDRSSD: 3212149
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q2QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #3212149 2024-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Unknown
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.16% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    — —
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -1
61
Sub-score

Liquidity is stable: brokered 29.1%, loans/deposits 94.3%.

Cash / Assets
—
Loans / Deposits
94.30%
Brokered %
29.11%
No watch items at this period.

Securities

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
—
No watch items at this period.

Capitalization

StrongQoQ +5
98
Sub-score

Capital position is strong: Tier 1 RBC 27.81%, CET1 27.81%, leverage 9.45%.

Tier 1 RBC
27.81%
CET1
27.81%
Leverage
9.45%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.6%, NCO YTD 0.00%.

Adjusted NPL
0.08%
Govt-guarantees stripped
Texas Ratio
0.6%
NCO YTD
0.00%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
65
Sub-score

Reserves are stable: ALLL 0.16% of loans, coverage 190.5%, true coverage 189.5%.

ALLL / Loans
0.16%
Coverage
190.5%
True Loss Coverage
189.5%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.16% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 03:56:46 UTC