UBPR Explorer

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Yield

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Cost

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Loan composition —

ST & Other

Investments

Investment composition —

Deposit composition —

Total assets

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FTE employees

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Peer group

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Headquarters

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Deposit geography — data coming

Largest deposit concentrations

Data coming

Quarterly net income ($)

one quarter, not year-to-date

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Peer percentile

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YTD|QTR

Net interest margin

YTD annualized, % of average earning assets

Peer 25th–75thPeer median

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Peer percentile

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YTD|QTR

Yield on earning assets

YTD annualized, % of average earning assets

Peer 25th–75thPeer median

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Peer percentile

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YTD|QTR

Cost of earning assets

YTD annualized, % of average earning assets

Peer 25th–75thPeer median

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Peer percentile

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YTD|QTR

ROA

YTD annualized, % of average assets

Peer 25th–75thPeer median

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Peer percentile

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ROE

YTD annualized, % of average equity

Peer 25th–75thPeer median

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Peer percentile

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YTD|QTR

Noninterest income

YTD annualized, % of average assets

Peer 25th–75thPeer median

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Peer percentile

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Efficiency ratio

YTD, % of net interest income + fee income. Lower is better.

Peer 25th–75thPeer median

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Peer percentile

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YTD|QTR

Provision for credit losses

YTD annualized, % of average assets

Peer 25th–75thPeer median

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Peer percentile

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Noncurrent loans & leases — higher is worse

90+ days past due and still accruing, plus nonaccrual, % of gross loans & leases

Peer 25th–75thPeer median

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Peer percentile

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Net charge-offs — higher is worse

YTD annualized, % of average total loans & leases

Peer 25th–75thPeer median

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Peer percentile

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Liquid assets net of wholesale funding — higher is better

Cash, interest-bearing balances, AFS and HTM securities at fair value, and fed funds sold, less wholesale funding, % of total assets

Peer 25th–75thPeer median

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Peer percentile

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Primary liquidity as % of total assets — higher is better

Cash, bank balances, Treasuries and Ginnies, plus agency debt and agency MBS less a 15% haircut and capped at 40%; securities marked to fair value and net of the pledged share. Not the regulatory LCR measure.

Peer 25th–75thPeer median

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Peer percentile

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Total borrowings as % of equity — lower is better

Other borrowed money including FHLB advances, plus fed funds purchased and repos, plus subordinated debt

Peer 25th–75thPeer median

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Peer percentile

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Net loans & leases as % of total deposits — lower is better

UBPR published ratio; numerator is net loans, unlike the gross basis used elsewhere

Peer 25th–75thPeer median

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Peer percentile

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Core deposits as % of total assets — higher is better

Non-maturity deposits plus time deposits at or below the insurance limit

Peer 25th–75thPeer median

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Peer percentile

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Equity capital as % of total assets

Book equity plus minority interests over end-of-period assets. Not a regulatory ratio — no threshold applies

Peer 25th–75thPeer median

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Peer percentile

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Tier 1 capital as % of average total assets

Reported by every bank. The CBLR is this same ratio — electing changes the threshold, not the arithmetic

Peer 25th–75thPeer median

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Peer percentile

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Common equity tier 1 as % of risk-weighted assets

Not reported by banks electing the CBLR framework

Peer 25th–75thPeer median

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Peer percentile

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Total risk-based capital as % of risk-weighted assets

Not reported by banks electing the CBLR framework

Peer 25th–75thPeer median

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Peer percentile

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Total assets, change from the year-ago quarter

UBPR published rate; blank where there is no comparable prior year

Peer 25th–75thPeer median

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Peer percentile

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Loans held for investment, change from the year-ago quarter

Held-for-investment basis, so loans held for sale are excluded

Peer 25th–75thPeer median

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Peer percentile

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Total deposits, change from the year-ago quarter

Total deposits, domestic and foreign

Peer 25th–75thPeer median

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Peer percentile

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Loan growth minus deposit growth — above zero, loans outran deposits

UBPR published item, differenced by FFIEC; blank if either side is blank

Peer 25th–75thPeer median

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Peer percentile

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Margin (NIM) Yield on EA Cost

Assets as % of EOP assets —

Rate level, quarterly average

Current quarter ()

Quarter avg

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Quarter end

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Trend -- quarterly average (selected quarters)

See yield curve

Quarter end rates —

Curve spread (10yr minus 3mo)

Current spread (10yr minus 3mo)

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See spread trend

10yr minus 3mo (selected quarters)

Current quarter

Spread avg

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Spread end

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See mortgage and prime

30-yr fixed mortgage ()

Quarter avg

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Quarter end

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Mortgage trend (selected quarters)

See prime rate

Bank prime loan rate ()

Quarter avg

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Quarter end

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Prime trend (selected quarters)

See SOFR

90-day average SOFR ()

Quarter avg

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Quarter end

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SOFR trend (selected quarters)

Back to Fed Funds

0 of 5 selected

Field	Value	Source	Pct

Placeholder A

3.42%

Sample metric

Placeholder B

1.18%

Sample metric

Placeholder C

58.3%

Sample metric

Placeholder D

72nd

Peer rank

Placeholder E

$214M

Sample metric

Placeholder F

4.7x

Sample metric