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UBS Bank USA, National Association

Salt Lake City, UT · Cert 57565 · UBS Group Ag

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

95

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

96

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

UBS Bank USA, National Association

Salt Lake City, UT · Cert 57565 · UBS Group Ag

National charter · OCC · 1 branch

Q2 2026

$124.4BAssets
$93.1BLoans
$109.3BDeposits
$9.4BEquity
Loan mix
94%RE $33.9B2%C&I $0.8B4%Consumer $1.3BQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $109.3B0%Noninterest $0.0BQ3 2024Q2 2026

Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 9.3% share · #5 of 57 inst. · $109.3B of $1175.7B

Executive Summary

  • Earnings: ROA of 1.09%, down 5 bps year over year; NIM at 1.92%.
  • Asset quality: problem loans at 0.12% of loans (+2 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 8.08%, down 89 bps from a year ago.
  • Funding: loans stand at 85.11% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.09%-5 bps YoY

Net Interest Margin (YTD, annualized)

1.92%-4 bps YoY

Efficiency Ratio (YTD, annualized)

26.34%+374 bps YoY

Tier 1 Leverage Ratio

8.08%-89 bps YoY

NIM

5.21%Q2 ’244.92%Q2 ’254.50%Q2 ’26-2%-2%

Non-interest income vs. expense

0.43%Q2 ’240.46%Q2 ’250.53%Q2 ’26+10%+21%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.23%1.11%1.14%1.15%1.13%1.04%1.09%-5 bps
Return on Equity14.66%14.79%13.48%13.72%13.86%13.69%13.44%14.19%+46 bps
Net Interest Margin2.01%1.97%1.92%1.96%1.97%1.96%1.97%1.92%-4 bps
Efficiency Ratio20.81%20.62%21.39%22.60%22.63%22.83%28.09%26.34%+374 bps
Non-Interest Burden0.34%0.33%0.34%0.37%0.37%0.39%0.50%0.44%+8 bps
Growth
Asset Growth (YoY)-3.09%4.18%5.26%4.26%4.03%0.17%5.09%8.87%+461 bps
Loan Growth (YoY)-2.68%1.91%4.49%4.53%5.12%4.63%5.26%6.95%+241 bps
Deposit Growth (YoY)-1.35%9.06%8.92%11.70%11.00%5.13%10.51%11.06%-64 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.10%0.08%0.10%0.22%0.12%0.12%0.12%+2 bps
Net Charge-Offs / Loans0.01%0.00%0.13%0.07%0.04%0.05%0.00%-0.01%-7 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.97%9.03%9.07%8.97%8.69%8.79%8.06%8.08%-89 bps
Total Risk-Based Capital27.26%29.44%29.96%29.22%27.99%29.29%26.79%27.05%-217 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits92.86%85.17%87.35%88.39%87.94%84.76%83.20%85.11%-327 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

UBS Bank USA, National Association

Salt Lake City, UT · Cert 57565 · Peer group: banks over $10B in assets (n=142-144) · UBS Group Ag

National charter · OCC · 1 branch

Q2 2026

$124.4BAssets
$93.1BLoans
$109.3BDeposits
$9.4BEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 96% of banks over $10B in assets (rank 7 of 144).
  • Widest gap: net interest margin trails 94% of banks over $10B in assets (rank 135 of 144).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.07%

Rank 97 of 144

Net Interest Margin

1.92%

Rank 135 of 144

Efficiency Ratio

26.34%

Rank 7 of 144

Equity / Assets

7.56%

Rank 133 of 144

Non-interest income vs. expense

$103.8M$650.5MINCOMEEXPENSE
Unfavorable gap of $546.7M · efficiency ratio beats 96% of banks over $10B in assets
Bank 26.34%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.07%1.00%1.26%1.54%Beats 33%97 / 144
Return on Equity14.17%8.98%11.34%14.40%Beats 74%37 / 144
Net Interest Margin1.92%2.82%3.31%3.68%Beats 6%135 / 144
Efficiency Ratio26.34%49.42%56.02%62.41%Beats 96%7 / 144
Asset Quality
Nonperforming Loans / Loans0.12%0.48%0.73%1.07%Beats 95%8 / 142
Net Charge-Offs / Loans0.00%0.05%0.11%0.22%Beats 95%8 / 142
Capital
Tier 1 Capital Ratio26.74%12.07%12.98%14.92%Beats 94%9 / 144
Total Risk-Based Capital Ratio27.05%13.39%14.14%16.25%Beats 94%9 / 144
Equity / Assets7.56%9.69%11.39%12.96%Beats 8%133 / 144
Liquidity & Funding
Loans / Deposits85.11%75.72%84.92%91.56%50th pctl71 / 143
Loans / Assets74.78%59.83%69.07%74.80%74th pctl37 / 144
Brokered Deposits / Depositsn/aNot reported for this institution