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Examined: Sat, 25 Apr 2026 19:43:30 GMT

UBS Bank USA, National Association

RSSD 3212149 · UT · Total assets $119,318M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
1 finding
M
Management
2
0 findings
E
Earnings
2
1 finding
L
Liquidity
3
1 finding
S
Sensitivity
2
0 findings
0
Critical
1
High
2
Moderate
0
Low
24
Procedures run

Findings

HIGH · Liquidity Procedure L-02

Brokered deposit concentration elevated

Citation
12 CFR § 337.6 — Brokered deposits; FDIC Brokered Deposit Rule
Evidence
Brokered deposits $30,458M against total deposits $99,525M. Elevated brokered-deposit reliance can increase liquidity sensitivity, funding-cost volatility, and supervisory restrictions if capital condition weakens.
Recommended action
Provide a brokered-deposit funding plan with board-approved concentration limits, maturity distribution, rate-sensitivity analysis, and contingency actions if brokered channels become unavailable or restricted. Demonstrate compliance monitoring for 12 CFR § 337.6.
MODERATE · Asset Quality Procedure A-05

Allowance to loans is below de minimis review threshold

Citation
Interagency Policy Statement on Allowances for Credit Losses (June 2020; revised April 2023) - https://www.federalreserve.gov/frrs/guidance/interagency-policy-statement-on-allowances-for-credit-losses.htm
Evidence
Allowance for credit losses $118M is measured against total loans and leases $84,762M. A very low allowance-to-loans ratio requires support that expected credit losses are appropriately estimated under CECL.
Recommended action
Provide the CECL model documentation, historical loss support, qualitative-factor framework, segmentation analysis, back-testing results, and board materials supporting the allowance level relative to the size, composition, and risk profile of the loan portfolio.
MODERATE · Earnings Procedure E-02

Net interest margin materially compressed

Citation
FFIEC UBPR User's Guide §IV — Earnings Analysis; OCC Comptroller's Handbook, "Interest Rate Risk"
Evidence
Year-to-date net interest margin is 2.01%. Compressed margin can reduce core earnings capacity and may indicate asset-yield pressure, funding-cost pressure, interest-rate-risk exposure, or adverse balance-sheet mix.
Recommended action
Provide management's margin analysis, including earning-asset yields, funding costs, repricing gaps, deposit betas, and modeled sensitivity to parallel and nonparallel rate shocks. Document board-approved actions to restore sustainable margin without assuming excessive credit, liquidity, or interest-rate risk.

Key ratios computed

Tier 1 ratio
29.10%
↑ rank 1 of 33 · regional
Tier 1 leverage
9.03%
↑ rank 22 of 34 · regional
Total capital
29.44%
↑ rank 1 of 34 · regional
NPL ratio
0.10%
ACL coverage
134.75%
CRE concentration
5.53%
Construction conc.
0.04%
ROA (annualized)
1.23%
↑ rank 11 of 34 · regional
NIM
2.01%
↑ rank 31 of 34 · regional
Efficiency ratio
20.62%
↓ rank 2 of 34 · regional
Loans / Deposits
85.17%
Brokered / Deposits
30.60%
Uninsured / Deposits
27.01%
Liquid asset ratio
22.19%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$119,112M
23Q03$113,867M 23Q06$114,356M 23Q09$114,352M 23Q12$114,334M 24Q03$110,525M 24Q06$109,624M 24Q09$110,815M 24Q12$119,112M
Tier 1 leverage
9.03%
23Q038.45% 23Q068.84% 23Q099.21% 23Q129.20% 24Q039.08% 24Q069.45% 24Q098.97% 24Q129.03%
Tier 1 RBC ratio
29.10%
23Q0327.20% 23Q0627.90% 23Q0927.45% 23Q1228.14% 24Q0327.44% 24Q0627.81% 24Q0926.90% 24Q1229.10%
ROA (YTD ann.)
1.23%
23Q031.54% 23Q061.41% 23Q091.36% 23Q121.32% 24Q031.22% 24Q061.20% 24Q091.23% 24Q121.23%
NIM (YTD ann.)
2.01%
23Q032.30% 23Q062.19% 23Q092.12% 23Q122.09% 24Q031.96% 24Q061.99% 24Q092.02% 24Q122.01%
Efficiency ratio
20.6%
23Q0316.4% 23Q0617.7% 23Q0917.9% 23Q1221.1% 24Q0319.5% 24Q0620.8% 24Q0920.8% 24Q1220.6%

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