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Uniform Bank Performance Report (UBPR)


The Uniform Bank Performance Report (UBPR) is a financial analysis report generated by federal banking regulators to assess and compare the financial condition and performance of US banks. It’s created by the Federal Financial Institutions Examination Council (FFIEC) for each individual federally-insured bank and derives from quarterly Call Report data submitted by banks. The report offers a detailed insight into a bank’s earnings, assets, liabilities, capital adequacy, and other key indicators.


The phonetics of the keyword “Uniform Bank Performance Report (UBPR)” would be: Yoo-ni-form Bank Puh-fawr-mans Ri-port (Yoo-Bee-Pee-Ar)

Key Takeaways

1. The Uniform Bank Performance Report (UBPR) is an analytical tool created by the Federal Financial Institutions Examination Council (FFIEC) to help in the in-depth analysis and examination of the financial performance of a commercial bank within the period it was complied.2. It provides detailed information about a bank’s earning performance, balance-sheet composition, asset quality, and capital adequacy. This aids bank supervisory authorities, bankers, banking researchers and analysts in their decision-making processes and assessments.3. Also, UBPR functions as an early-warning tool; it facilitates quick detection and prompt intervention of issues in a commercial bank’s performance before they become critical. As such, it’s a crucial instrument for ensuing bank stability and continuity.


The Uniform Bank Performance Report (UBPR) is crucial in the field of business and finance because it provides an analytical tool created by regulators for evaluating the financial performance of banks. The report is generated from the raw data submitted by banks through their quarterly Call Reports. The UBPR offers a comprehensive understanding of banks’ financial condition, market opportunities, operating efficiency, risk profile, and growth pattern that can guide investment decisions and strategic planning. The inclusion of peer group comparison, which contrasts a bank’s performance metrics with those of similar institutions, strengthens its importance further. Thus, the UBPR serves as a critical instrument for bank management, regulators, analysts, and other interested parties to assess and monitor the performance and overall health of a bank.


The Uniform Bank Performance Report (UBPR) is a core tool used by regulators and banking analysts to evaluate a bank’s condition and performance. The primary purpose of the UBPR is to provide a detailed summary of a bank’s financial condition using a variety of metrics, including capital adequacy, asset quality, management capability, earnings, and liquidity. These thorough analyses enable supervisors and other stakeholders to identify potential issues or trends which might warrant regulatory attention or action.The specifics presented by the UBPR enable banks to compare their own performance over time, and against other banks of a comparable size and across the sector as a whole. This is crucial for banks in their self-evaluation, setting of strategic goals, or in making operational adjustments. From a broader perspective, UBPR data is used by regulatory bodies to oversee the banking industry and maintain financial stability in the economy. It serves as an early warning system to identify institutions that may be experiencing trouble, enabling prompt response measures to be put in place.


1. Example 1: Regional Bank Analysis – A regional bank in the Midwest United States uses the Uniform Bank Performance Report, to compare its performance with other similar banks in the region. By evaluating data like return on assets, net interest margin, and efficiency ratio using UBPR, the bank can identify strengths and weaknesses in its operation and financial performance, adjust its business strategy accordingly, and track improvements over time. 2. Example 2: Investment Decision – An investment fund specializing in the financial sector utilizes UBPR reports to gauge the performance of various banking institutions. By analyzing UBPR data, the investment firm identifies banks that are outperforming their peers in key aspects such as return on equity, loan portfolio performance, and non-interest income and expenses. These insights from UBPR reports inform investment decisions – the firm either buys, holds, or sells its position in the banks’ stocks based on their performance.3. Example 3: Regulatory Oversight – The Federal Reserve or another banking regulator uses the UBPR to assess the performance of a bank that they supervise. If the UBPR indicates the bank’s net income is declining, or their non-performing loans are increasing, the regulator might conduct further examination, potentially implementing stricter supervision to safeguard against potential risks to the financial system. This examination could include more frequent reporting or additional capital requirements.

Frequently Asked Questions(FAQ)

What is a Uniform Bank Performance Report (UBPR)?

The UBPR is a detailed financial analysis report that is generated for each individual bank in the United States. It is a tool used by regulators and individual banks to assess the bank’s condition and performance in comparison to its peers.2.

Who prepares the UBPR?

The report is prepared by the Federal Financial Institutions Examination Council (FFIEC), which contains members from the Federal Reserve System, Federal Deposit Insurance Corporation (FDIC), and Office of the Comptroller of the Currency (OCC).3.

How often is the UBPR updated?

The UBPR is updated each quarter after the Call Report and Thrift Financial Report data have been collected and processed, typically about sixty days after the end of each quarter.4.

How can I access a bank’s UBPR?

The UBPRs for each individual bank can be accessed from the FFIEC’s UBPR website. You will need to know the bank’s name or its FDIC Certificate number to retrieve the report.5.

Who uses the UBPR and why?

The UBPR is used primarily by bank examiners, bank managers, analysts, and researchers. It facilitates the in-depth analysis of a bank’s balance sheet, income statement, and key financial ratios over time and relative to peer institutions.6.

What kinds of information are included in a UBPR?

The UBPR includes data on a bank’s earnings, assets, liabilities, capital adequacy, and asset quality. It also provides key financial ratios such as return on assets (ROA), net interest margin (NIM), and the loan-to-deposit ratio, to name just a few.7.

Does the UBPR offer historical data?

Yes, the UBPR provides up to ten years of historical financial data for each bank. This allows for the analysis of a bank’s performance trends over time.8.

What makes the UBPR a valuable tool in the banking industry?

The UBPR is valuable as it offers a uniform analytical framework, which means every bank, regardless of size or business model, is evaluated using the same criteria. This allows for consistent and fair comparisons across the industry. 9.

Can the general public access UBPRs?

Yes, UBPRs are publicly available. They can be accessed and utilized by anyone interested in understanding the financial performance of a specific bank. 10.

Do banks use UBPR for strategic planning?

Absolutely, many banks harness UBPR data to analyze their own performance and to benchmark against competitors. Its comprehensive nature often helps shape strategic and financial decision-making.

Related Finance Terms

  • Call Report: This is a report that regulated banks are required to file with the Federal Financial Institutions Examination Council, providing detailed information about their financial condition. This is one of the sources of data used to generate the UBPR.
  • Common Size Analysis: This is a method of financial statement analysis in which each line item is listed as a percentage of a standard figure. This type of analysis is used in the UBPR to compare banks of different sizes.
  • Bank Peer Group: In the context of the UBPR, a bank’s peer group refers to other banks of similar size and business model against which the bank’s performance metrics are compared.
  • Return on Assets (ROA): This is a performance metric used in the UBPR, measuring the profitability of a bank in relation to its total assets.
  • Federal Reserve Bank: This is the central bank of the United States, which supervises and regulates all national banks, along with state-chartered banks that choose to be members of the Federal Reserve System. The Federal Reserve Bank uses UBPR data as part of its supervisory and regulatory function.

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