UBPR: The Uniform Bank Performance Report is the FFIEC’s own set of derived ratios for a bank, computed from its call report and printed beside its peer group.
Where it comes from
The FFIEC publishes a UBPR for every filer a few weeks after the call report itself. It is the examiner grade calculation: return on assets, return on equity, net interest margin, the efficiency ratio and several hundred more, each shown with the peer group median and the bank’s percentile.
How to read it
The UBPR is the authority on how a ratio is defined, which is why BankingLens reconciles its headline ratios against it and shows the reconciliation status on every scorecard. Where a quarter’s UBPR has not been published yet, the figures are computed from the raw call report and labelled that way rather than quietly presented as matching.
The common mistake. Assuming a ratio you computed yourself will agree with it. The UBPR averages balances rather than using the period end and annualizes year to date income, so a period end calculation disagrees with it in every quarter except the fourth.
Go deeper
- Call report vs UBPR
- How to read a call report
- BankingLens pricing and what a subscription adds: percentile rank against the bank’s own FFIEC peer group, fourteen quarters of trend, and the flags an examiner reaches for first.
See also. Call report, FFIEC peer group.
This page is generated by _tools/seo/build_glossary.mjs and carries no figure that was typed in. See our methodology and disclaimer. Definitions are general guidance, not regulatory or investment advice.