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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #3212149 2025-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.12% of loans.
  3. info
    Brokered deposits above 30%
    Liquidity — Brokered 31.0% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -1
64
Sub-score

Liquidity is stable: brokered 31.0%, loans/deposits 87.2%.

Cash / Assets
—
Loans / Deposits
87.24%
Brokered %
31.04%

Watch Items

  • infoBrokered deposits above 30% — Brokered 31.0% of deposits (threshold 30%).

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

StableQoQ 0
71
Sub-score

Capital position is stable: Tier 1 RBC 29.67%, CET1 0.00%, leverage 9.07%.

Tier 1 RBC
29.67%
CET1
0.00%
Leverage
9.07%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.7%, NCO YTD 0.13%.

Adjusted NPL
0.08%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.13%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +2
54
Sub-score

Reserves are deteriorating: ALLL 0.12% of loans, coverage 141.8%, true coverage 141.6%.

ALLL / Loans
0.12%
Coverage
141.8%
True Loss Coverage
141.6%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.12% 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