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Overview / Commentary
299 South Main Street, Suite 2275
Salt Lake City, UT 84111

UBS Bank USA is headquartered in Salt Lake City and is the 3rd largest bank in the state of Utah. It is also the 37th largest bank in the nation. It was established in 2003 and as of March of 2014, it had grown to 140 employees at 1 location. UBS Bank USA has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 UBS Bank USA had $993,000 in non-current loans and owned real-estate with $4.16 billion in equity and loan loss allowances on hand to cover it. This gives UBS Bank USA a Texas Ratio of 0.02% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for UBS Bank USA experienced no significant changes from 0.01% as of March 31, 2013 to 0.02% as of March 31, 2014, resulting in a negative change of 106.54%. This indicates that the balance sheet and financial strength for UBS Bank USA has had no significant changes in recent periods.

Deposit Growth


In the past year, UBS Bank USA has decreased its total deposits by -$1.2 billion, resulting in -2.83% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth UBS Bank USA has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. UBS Bank USA has $45.51 billion in assets with $4.16 billion in equity, resulting in a capitalization level of 9.15%, which is average.

Institution Statistics

FDIC Certificate #57565
Year Established2003
Primary RegulatorFDIC
Assets and Liabilities
Assets$45.51 billion
Loans$31.51 billion
Deposits$41.17 billion
Equity Capital$4.14 billion
Loan Loss Allowance$23.08 million
Unbacked Noncurrent Loans$993,000
Real Estate Owned$0
Historic Data - March 2013
Assets$46.86 billion
Equity Capital$3.83 billion
Loan Loss Allowance$18.04 million
Unbacked Noncurrent Loans$993,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.75%
Return on Assets0.89%
Return on Equity9.97%
Interest Income$202.22 million

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UBS Bank USA Locations
Ubs Bank Usa299 South Main Street, Suite 2275Salt Lake City, UT 84111