UBS Bank USA

Headquarters

95 S State St
Salt Lake City, UT 84111
See all branch locations →

ACH 02600799

Phone 800 354 9103

Notable Rates APY Vs.Others
Savings N.A. 4.66% →
1-Year CD N.A. 4.59% →
2-Year CD N.A. 4.25% →
5-Year CD N.A. 4.20% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2025 Overview

General Bank Information

UBS Bank USA is an FDIC insured institution located in Salt Lake City, UT. It was founded in 2003 and has approximately $116.34 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57565
Date Established 2003
Assets $ 116.34 billion
Loans $ 85.39 billion
Deposits $ 97.88 billion
Capital $ 9.92 billion
 

For a more detailed analysis of UBS Bank USA's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 31, 2025

Your Current Location: New York, NY 10116






Loan Rates - July 31, 2025

Your Current Location: New York, NY 10116

There are currently no loan rates available for UBS Bank USA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




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Featured - New York Home Equity Line Of Credit Rates 2025

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Note to UBS Bank USA
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Branches

UBS Bank USA branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
New York City,New York


UBS Bank USA Locations around zip code 10116


BranchDistance Map View Lobby Hours

Ubs Bank Usa

2007.91 A View Lobby Hours


Climate Policy and Initiatives

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Financial Details

UBS Bank USA Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of UBS Bank USA. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
UBS Bank USA U.S. Bank Average
0.71% 5.08%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2025, UBS Bank USA had $71,324,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $9,924,547,000 in equity and $101,157,000 in loans loss reserves. That gives it a Texas Ratio of 0.71%.

Return on Equity
UBS Bank USA U.S. Bank Average
13.48% 9.95%

UBS Bank USA has a Return on Equity of 13.48% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
UBS Bank USA U.S. Bank Average
8.53% 11.22%

UBS Bank USA has a Capitalization of 8.53% versus the BestCashCow average of 11.22. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

UBS Bank USA Balance Sheet Analysis

As of March 31, 2025, UBS Bank USA had assets of $116,337,907,000, loans of $85,394,176,000, and deposits of $97,879,104,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2025
ASSETS
Cash & Balances due from depository institutions $ 22.97 billion
Interest-bearing balances $ 22.97 billion
Total securities $ 6.84 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 85.39 billion
Loan loss allowance $ 101.16 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 3.38 million
All other assets $ 820.25 million
     Total Assets $ 106.41 billion
LIABILITIES
Total deposits $ 97.88 billion
      Interest-bearing deposits $ 97.82 billion
      Deposits held in domestic offices $ 97.88 billion
      % insured (estimated) 72.34%
Federal funds purchased and repurchase agreements $ 237.88 million
Trading liabilities N.A.
Other borrowed funds $ 2.35 billion
Subordinated debt N.A.
All other liabilities $ 493.96 million
      Total Liabilities $ 106.41 billion
      Shareholders’ Equity $ 9.92 billion

Summary Income Statement

March 31, 2025
INCOME AND EXPENSES
Total Interest Income $ 1,420.01 million
Total Interest Expense $ 857.78 million
Net interest income $ 562.23 million
Provision for loan and lease losses $ 11.70 million
Total non interest income $ 26.99 million
Total non interest expense $ 126.03 million
Pre-tax Net Operating Income $ 891.20 million

Bank Loan Profile?

The top three loan types in UBS Bank USA’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Utah, UBS Bank USA has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 30.68
Multifamily
Mortgages
0.57
Credit Card Loans 0.29
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 1.40
Commercial and Industrial Loans 9.44
Farm Loans 0.00

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