Uniform Bank Performance Report (UBPR)

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Uniform Bank Performance Report (UBPR)

The Uniform Bank Performance Report (UBPR) is an analytical tool developed by the Federal Financial Institutions Examination Council (FFIEC) to summarize a U.S. bank’s financial position, performance, and risk exposures. It translates Call Report data into ratios and trend analyses that help examiners, bankers, and other stakeholders evaluate a bank’s condition.

What the UBPR shows

The UBPR highlights how management decisions and economic conditions affect a bank’s balance sheet and performance. Key focus areas include:
* Liquidity
* Capital adequacy
* Earnings performance
* Balance-sheet composition and trends

The UBPR provides key ratios and figures for the current quarter, the previous quarter, the year-ago quarter, and year-to-date measures. (The underlying Call Report contains the bank’s financial statements, loans and deposits, investments held, and changes in capital, among other items.)

Uses

The UBPR is used to:
* Assess whether a bank has sufficient liquidity and capital
* Monitor earnings and profitability trends
* Identify emerging asset-quality or funding risks
* Support supervisory reviews and bankers’ internal management decisions

For example, because banks typically fund long-term loans with short-term deposits, the UBPR helps detect vulnerabilities that could arise from deposit runs or shifts in funding conditions.

Publication and recalculation schedule

  • UBPRs are generally published within 24 hours after a bank files its Call Report with the Central Data Repository. Publication is delayed if the Call Report contains errors until those are corrected.
  • Current-quarter data are recalculated nightly and published each morning.
  • Data for the current quarter and the four previous quarters are recalculated Friday nights and published Saturday mornings.
  • A 21-period recalculation occurs once per quarter (about two weeks before banks begin submitting new Call Reports) and is published within a three-day window.

Peer group averages

After most banks file their Call Reports and UBPR data are computed, peer group averages are published:
* Peer averages for most groups appear 30 days after a Call Report filing date (or on the Call Report due date).
* Peer averages for peer groups 1 and 2 are published 35 days after the Call Report filing date (or on the due date).

Key takeaways

  • The UBPR converts Call Report data into ratios and performance metrics to evaluate a bank’s financial health.
  • It is a core supervisory and management tool for monitoring liquidity, capital adequacy, earnings, and balance-sheet trends.
  • UBPR data are updated frequently (nightly, weekly, and quarterly recalculations) and published shortly after Call Report filings, with peer averages released on a set timetable.