The 411 on FFIEC Uniform Bank Performance Reports

on by Drew Dodson, Director of Product Management - Community

Many banks rely on UBPR data to see how they stack up against the competition, but searching through and filtering the data can be tricky and time-consuming. Here we break down the basics of the UBPR and how to best use it to your advantage.


What is UBPR?

The uniform bank performance report—or UBPR—is an analysis of a bank that compares its performance over time against itself and against peer banks within a given Peer Bank Group.

A UBPR is created for each commercial bank or savings bank that submits Bank Call Reports to the Federal Financial Institutions Examination Council (FFIEC).

Many consider UBPR to be the bank’s “report card” which in a normalized fashion indicates—and to a large extent when compared to peers—how well the bank is performing. As these reports are public information, most bank executives utilize analysis of the bulk peer data to provide insight and inform their own decisions.

Why use the Bank Performance Report?

A popular use by top bank executives of UBPR data for analysis is lining up a few banks with similar balance sheet compositions as their own and identifying favorably (and undesirable) asset & debt ratio metrics. This helps to identify opportunities for improvement… or perhaps areas to dig in on exactly what managerial decisions were made to achieve such impressive numbers.

The great part about the CBANC Peer Analysis tool is are that you’re already inside the Community with the people from the banks you’re analyzing… which of course facilitates reaching out to have that amazingly valuable conversation.

Where does this data come from?

The UBPR is almost entirely derived from Call Report data. Banks are required to submit bank call reports (officially known as the Consolidated Reports of Condition and Income) to the FFIEC every fiscal quarter. Bank Call Reports are a regulatory measure for keeping banks accountable for their performance and asset decisions. The FFIEC publishes the bank analysis data as soon as they’ve processed it, so the availability for the latest completed quarter is often rolling. At CBANC, we fetch the latest data from the FFIEC into our tool on a weekly basis so you’ll always have the most up to date information—no more checking the FFIEC website for updates!

Getting the data to be useful.

Most power users of the UBPR are used to having to do a TON of data massaging before they’re able to break down the efficiency, turnover, & RPE ratios which really will give them some actionable insight.  The #1 complaint we’ve heard about UBPR bulk data downloads is THE FORMAT!  We’ve all had fights with spreadsheets, so why not factor the intense formatting out of uniform bank performance report analysis? Leverage our tool to select the banks and fields you’re familiar with—and download a simple, clean CSV text file that you can instantly open in Excel and finish your work hours earlier than ever before.

How do I leverage ratio analysis?

Beyond some core ratios such as bank efficiency ratio, there are some interesting ratios that are contained or can be calculated from the data provided in the bank’s UBPR.  The Tier-1 Leverage Ratio is a required calculation by regulatory guidelines. It is the bank’s average total consolidated assets divided by specific off-balance sheet holdings. The Tier-1 Leverage Ratio is an indicator of how well an institution could withstand a negative impact to their balance sheet. Minimum thresholds for Tier-1 Leverage ratio are governed by the Basel III regulation.

Finally, since we’re headquartered in the Lone Star State, we’ll mention the Texas ratio as a handy way to determine the loan solvency for a particular institution.


[The bank’s loans which are unfavorable, non-performing, & delinquent for 90+ days]


[Their tangible capital equity & reserves for loan loss]



There are MANY bankers all across the United States using this FFIEC UBPR data for all sorts of different calculations and analyses to make decisions.

About CBANC:

We are the professional network for the banking industry, powering the largest online community of banks and credit unions in the world. Every business day, CBANC helps thousands of verified financial professionals and their institutions make more intelligent vendor decisions, navigate compliance challenges, and answer questions.

Our software leverages the network effects inherent in our community, enabling our members and the vendors that serve them to work together to solve problems. The results are more efficient operations, the ability to better serve customers, and an improved competitive position for our members and the US banking system.

About the Author:

Drew Dodson
Director of Product Management - Community