Visbanking Logo
Skip to main content

Ubs Bank Usa National Association

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q4QoQ +6

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

Quarterly Headline

2025-Q4

Bank #3212149 2025-Q4 Vital Signs Score: 73/100 — 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 31.6% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2025:
↑ +6 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    — —
  • Reserves
    ↑ +32

The five pillars

Liquidity

StableQoQ +2
66
Sub-score

Liquidity is stable: brokered 31.6%, loans/deposits 84.7%.

Cash / Assets
—
Loans / Deposits
84.65%
Brokered %
31.56%

Watch Items

  • infoBrokered deposits above 30% — Brokered 31.6% 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
70
Sub-score

Capital position is stable: Tier 1 RBC 28.98%, CET1 0.00%, leverage 8.79%.

Tier 1 RBC
28.98%
CET1
0.00%
Leverage
8.79%

Watch Items

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

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.12%, Texas Ratio 1.0%, NCO YTD 0.08%.

Adjusted NPL
0.12%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
0.08%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +32
45
Sub-score

Reserves are deteriorating: ALLL 0.12% of loans, coverage 104.4%, true coverage 104.2%.

ALLL / Loans
0.12%
Coverage
104.4%
True Loss Coverage
104.2%

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