The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 4 points (68 → 64), mostly because the capital cushion component weakened by 9 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Utah

Yes. UBS Bank USA, National Association is an FDIC-insured institution (FDIC certificate #57565). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.2% of deposits ($40.6B) are above the $250,000 FDIC insurance limit, below the peer median of 43%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.08%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 27.05% (benchmark: 10%).

Check how much of your own balance is covered

UBS Bank USA, National Association lists 1 office in 1 city. Most locations:

• Salt Lake City, UT (1)

All branch addresses and map

Over the last three years, the CFPB forwarded 31 consumer complaints about UBS BANK USA to the company (15 in the last 12 months). 100.0% received a timely response. That is 0.3 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, UBS Bank USA, National Association reported 4,405 home-loan applications under HMDA (LEI 549300GWD9H4FQ2VR805): 3,386 originated ($4,668,490,000 total), 284 denied, and 722 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

UBS Bank USA, National Association

Former names

UBS Bank USA

Type

National bank

FDIC certificate #

57565

RSSD ID

3212149

Primary regulator

OCC

Holding company

UBS Group Ag

Established

September 15, 2003

Headquarters

95 S State St, Salt Lake City, UT 84111

Website

www.ubs.com/cefs/en/ubs-bank-usa/ubs-bank-usa.html

Employees

645