# Uniform Bank Performance Report (UBPR): What It Is, How It Works

## What Is the Uniform Bank Performance Report (UBPR)?

The Uniform Bank Performance Report (UBPR) is an analytical tool created by the [Federal Financial Institutions Examination Council](https://www.investopedia.com/terms/f/ffiec.asp) (FFIEC) to help supervise and examine financial institutions. The UBPR serves as an analysis of the impact that management and economic conditions can have on a bank's balance sheet. It examines [liquidity](https://www.investopedia.com/terms/l/liquidity.asp), adequacy of capital and earnings, and other factors that could damage the stability of the bank.

### Key Takeaways

*   The Uniform Bank Performance Report (UBPR) summarizes the financial position, performance, and risk exposures of American banks.
*   These reports include key ratios for the current quarter, previous quarter, year-ago quarter, and also provide year-to-date information.
*   The UBPR is filed in conjunction with a Call Report, which contains additional items such as the bank's financial statements, loans & deposits, investments held, and changes in the bank's capital, among other data.

## Understanding the Uniform Bank Performance Report (UBPR)

The Uniform Bank Performance Report summarizes the effect of economic conditions and management decisions on the performance of a given bank and the composition of that bank’s balance sheet. The data therein can be used to evaluate whether the bank is earning enough money and has enough liquid assets. It can also be used to manage the bank’s growth, assets, and [liabilities](https://www.investopedia.com/terms/l/liability.asp). The UBPR is a valuable tool for bankers and bank examiners seeking to understand the financial condition of a given bank, and as such, can be used to maintain the financial fitness of a bank or to restore it to good condition.

Banks traditionally rely heavily on short-term deposits to fund long-term loans to consumers and businesses. This reliance makes a bank susceptible to major problems if conditions turn against it, or it sees a sudden mass withdrawal of deposits. It is why the FFIEC tries to monitor banks' stability with the UBPR.

## UBPR Delivery Schedule

A given bank’s UBPR will usually be published within 24 hours of filing the associated [Call Report](https://www.investopedia.com/terms/c/callreport.asp) with the Central Data Repository. However, if there are errors in the associated Call Report, then the UBPR won’t be published until those errors are rectified.﻿﻿

## UBPR Recalculation Schedule

The data in a given bank’s UBPR is updated on a continuous basis. Data for the current quarter’s UBPR is recalculated each night and published each morning. Data for the current quarter and the four consecutive previous quarters is recalculated every Friday night and published the next Saturday morning. A 21-period recalculation is done once per quarter. It occurs two weeks before banks start submitting their new Call Reports. The recalculated data is published within a three-day period.﻿﻿

Once most banks have filed their Call Reports, and UBPR data has been calculated, peer group average data is published. Peer group averages for all peer groups but 1 and 2 are published 30 days after the date a Call Report is filed, or on the due date of the Call Report. Peer group average data for groups 1 and 2 is published 35 days after the date a Call Report is filed, or on the date the Call Report is due.﻿﻿

> **Article Sources**
>
> 1.  Federal Financial Institutions Examination Council. "[UBPR](https://www.ffiec.gov/ubpr.htm)." Accessed March 20, 2021.
>     
> 2.  Federal Financial Institutions Examination Council. "[UBPR: UBPR Delivery Schedule](https://www.ffiec.gov/ubpr/delivery%20schedule.htm)." Accessed March 20, 2021.