Short answer: A UBPR (Uniform Bank Performance Report) is a quarterly performance summary the FFIEC publishes for every FDIC-insured US bank. It shows the bank's key ratios alongside the median for its peer group and the bank's percentile rank within that peer group. Every UBPR is free and public.
What's actually on a UBPR?
A UBPR is somewhere between 30 and 60 pages, depending on the bank. The front page is the summary you actually want to read. It lists:
- Bank identity (name, location, FDIC Cert, asset size)
- Which peer group the bank gets compared to
- Headline ratios (ROA, ROE, NIM, efficiency, capital, asset quality)
- Peer median for each ratio
- The bank's percentile rank within its peer group
The remaining pages break each ratio down into its components, show 5-8 quarters of history, and lay out the underlying balance sheet, income statement, and loan portfolio detail. Examiners use those pages for deep reviews. Most other readers stick to the front page.
UBPR vs. call report: what's the difference?
A call report is the raw quarterly filing every US bank is required to submit to its regulator. It's a thousand-plus data fields covering everything from total deposits to specific loan categories to interest income line items.
A UBPR is the FFIEC's derived analysis of that call report. The FFIEC takes the raw numbers, computes ratios using consistent methodology, looks up the bank's peer group, computes the peer median, and ranks the bank's value as a percentile inside its group. The call report is the source data. The UBPR is the scorecard.
How often is a UBPR updated?
Quarterly. Banks file their call reports about 30 days after each quarter ends. The FFIEC regenerates UBPRs about 6 to 8 weeks after quarter-end, once filings are validated. So a Q1 (March 31) UBPR is typically available in mid-to-late May. A Q4 (December 31) UBPR usually lands in February.
Where can I download a UBPR?
UBPRs are free to download from the FFIEC's Central Data Repository (CDR) Public Data Distribution site at cdr.ffiec.gov/public. You search by bank name, FDIC Cert number, or RSSD ID, pick the quarter, and download the PDF.
No login required. No fee. The data is the same data the regulators use.
Who actually reads UBPRs?
In practice, four groups:
- Bank examiners, who use it as the starting point for a supervisory exam.
- Bank executives and board members, who use it to track their own performance against peers each quarter.
- Analysts and consultants, who use it for comparable-company analysis without having to pull raw call-report data.
- Sophisticated borrowers, who use it to size up a prospective lender before applying.
A surprisingly small share of community-bank customers, vendors, or counterparties ever pull one. The data is public, but the format isn't approachable, so most people don't bother. That gap is exactly why structured products that summarize UBPR data exist.
Related reading
- How to read a UBPR in 5 minutes - once you know what a UBPR is, here's which pages to actually open.
- How do FFIEC peer groups work? - the peer comparison on the cover page only means something if you understand which banks count as peers.
- What is Tier 1 capital? - one of the four ratios on the front page, explained.