A public report, calculated each quarter mostly from a bank's call report, that turns the filing into ratios and compares the bank with a peer group.
The UBPR is an analysis report the bank regulators produce for each bank. The FDIC describes it as a tool created for supervisory, examination and management purposes that shows the effect of management decisions and economic conditions on a bank’s performance and balance sheet. Its content is calculated each quarter, primarily from call report data, and it sets a bank’s ratios beside those of a peer group. The public can read any bank’s UBPR on the FFIEC’s public data site, usually within a day after the call report is accepted.
In a loan search, the UBPR saves arithmetic. Where the call report gives dollar balances, the UBPR gives ratios built from them and figures for the bank’s peer group. A broker can use it to see how a bank compares with similar banks before calling, without building the ratios by hand.
It has the same limit as its source. It describes the bank’s books on a date. It says nothing about a single loan request, and it is not a rating.
How it shows up in the data here
The UBPR is not loaded here. This site reads the call report itself, through the FDIC, and makes its own calculations from it, such as loan mix and year-over-year growth, each labeled as our calculation and not a rating. The methodology page shows the formulas. To read a bank's UBPR, use the FFIEC's public site; to see the raw balances behind it, search banks here.
Go further
- Methodology: How this site calculates its own figures from call reports.
- Search banks: Balances held, by bank.
- How to read a bank call report as a loan searcher: Every bank files a call report each quarter. One schedule in it lists the bank's loans by kind. Read that schedule and you know what the bank holds. You still do not know what it made last quarter.
Related terms
- Call report: The financial report every bank and savings association files with its federal regulator each quarter, with a balance sheet, an income statement and schedules that break out loans by kind.
- Schedule RC-C: The call report schedule where a bank lists the loans and leases it holds by category, such as construction, multifamily, nonfarm nonresidential, farmland and commercial and industrial loans.
- Tier 1 capital: A bank's core capital under the capital rule: common equity tier 1 plus additional tier 1. The minimums are 6 percent of risk-weighted assets and a 4 percent leverage ratio.
- Loan-to-deposit ratio: A lender's total loans divided by its total deposits, which shows how much of the money customers keep with it is already lent out.
- Loans to assets: A lender's total loans divided by its total assets, which shows how much of its balance sheet is in loans and not in cash, securities and other holdings.
Sources
Plain definitions for orientation, not legal, tax or credit advice. A lender's own policy decides what it will do.