What is a UBPR?


A UBPR, or Uniform Bank Performance Report, consolidates data submitted by banks to the Federal Financial Institutions Examination Council (FFIEC) and aggregates it to demonstrate quarterly trends. Banks regularly provide information to the FFIEC, which in turn makes it available to financial institutions and examiners in a usable format—without the need to create their own reports and dashboards.

The UBPR provides insight into the consequences of both managerial decision-making and economic influences on a financial institution’s health.

What is Included in the UBPR?

The UBPR is packed full of helpful metrics and data points. Just within the “summary ratios” section of the report, bankers and examiners can find numerous:

  • Interest income ratios
  • Margin analysis ratios
  • Loan and lease analysis ratios
  • Liquidity ratios
  • Capitalization ratios
  • Growth rate ratios
  • Asset ratios
  • Net income ratios

Drilling down into specific sections of the report provides deeper insight into a variety of other data points, including data from the bank’s income statement and balance sheet.

Other Reports Found on the UBPR Site

Used by both financial institution administrators and bank examiners, the UBPR website also provides a number of other reports, such as:

  • Custom Peer Group Bank Report
  • Peer Group Average Report
  • Peer Group Average Distribution Report
  • State Average Report
  • State Average Distribution Report
  • List of Banks in Peer Group Report


The UBPR can be helpful to financial institutions in several ways. Bank managers and examiners can quickly review the reports to evaluate a bank’s performance. UBPR makes it easier to understand if a financial institution is in a period of growth or decline in terms of earnings, liquidity, and assets. The UBPR can also be used to generate an executive summary report for the financial institution’s board members.

Financial institutions considering a merger or acquisition may look at a UBPR when performing initial due diligence. Additionally, the UBPR provides a straightforward solution for performing peer review, allowing a financial institution to compare a competitor’s data to their own.

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