An adverse action notice is a document sent to a loan applicant stating a bank’s rationale for denying a loan. It may also contain a counteroffer, such as a lesser amount or a request for an approved co-borrower.
The term “aging exceptions” refers to a group of critical exceptions that have not been resolved within a reasonable amount of time.
An authorized signer form is a document that allows an account holder to grant a range of clearance levels to individuals to perform certain functions within a bank account.

Uniform Bank Performance Report (UBPR)

A UBPR, or Uniform Bank Performance Report, consolidates data submitted by financial institutions to the Federal Financial Institutions Examination Council (FFIEC) and aggregates it to demonstrate quarterly trends. Banks and credit unions regularly provide information to the FFIEC, which in turn makes it available to financial institutions and examiners in a usable format—without the need to create their own reports and dashboards.

The UBPR provides insight into the consequences of both managerial decision-making and economic influences on a financial institution’s health.

What is Included in the UBPR?

The UBPR is packed full of helpful metrics and data points. Just within the “summary ratios” section of the report, bankers and examiners can find numerous:

  • Interest income ratios
  • Margin analysis ratios
  • Loan and lease analysis ratios
  • Liquidity ratios
  • Capitalization ratios
  • Growth rate ratios
  • Asset ratios
  • Net income ratios

Drilling down into specific sections of the report provides deeper insight into a variety of other data points, including data from the financial institution’s income statement and balance sheet.

Other Reports Found on the UBPR Site

Used by both financial institution administrators and bank or credit union examiners, the UBPR website also provides a number of other reports, such as:

  • Custom Peer Group Bank Report
  • Peer Group Average Report
  • Peer Group Average Distribution Report
  • State Average Report
  • State Average Distribution Report
  • List of Banks in Peer Group Report


The UBPR can be helpful to financial institutions in several ways. Bank and credit union managers and examiners can quickly review the reports to evaluate a institution’s performance. UBPR makes it easier to understand if a financial institution is in a period of growth or decline in terms of earnings, liquidity, and assets. The UBPR can also be used to generate an executive summary report for the financial institution’s board members.

Financial institutions considering a merger or acquisition may look at a UBPR when performing initial due diligence. Additionally, the UBPR provides a straightforward solution for performing peer review, allowing a financial institution to compare a competitor’s data to their own.

Bank Management Resources

For more information about bank management, be sure to check out our extensive resource library with free spreadsheets, whitepapers, and eBooks.

Browse our banking definitions page for more terminology.

Explore more resources

Alogent Fraud Mitigation Solutions

Check fraud - using paper or electronic checks to obtain money illegally - can occur at any step in the user journey and from any device or workflow by forging an account holder’s signature on a stolen check, altering a legitimate check, or writing a...
Read More »

Banker's Tracking Calendar

Key Dates to Track in 2024 [PDF] Download this 2024 calendar to track key submission and reporting dates, tax deadlines, and other important dates. Avoid last-minute scrambles this year. Customize Your Calendar for Maximum Results This tracking calendar also...
Read More »

Related articles

Monday 26 February 2024

Banking Innovation: Are You Keeping Up with Transaction Processing Trends Shaping the Banking Market?

The payments landscape continues to take shape with alternative payment and cashless transaction methods, yet in the face of persistent digitalization, checks remain a viable…

Learn More »

Thursday 15 February 2024

Meeting Gen Z’s Banking Demands and Remaining Relevant with the Largest Generation in American History

The year is in full swing, and financial institutions are keenly observing the emerging powerhouse of economic influence: Generation Z. This generation isn’t just digitally…

Learn More »

Tuesday 6 February 2024

From Loan Imaging to Cold Storage: Extend AccuAccount’s Automation Potential with Additional Content Management Capabilities from Alogent

Efficient document and information management is increasingly important for modern financial institutions. Paper documents, siloed information, and outdated technology create operational bottlenecks that can be…

Learn More »

Wednesday 24 January 2024

How to Get More Done with Your Desktop Scanner (& AccuImg)

Despite the shift to digital, banks and credit unions still need a scalable way to manage the seemingly constant flow of financial statements, tax returns…

Learn More »

Tuesday 16 January 2024

Is 2024 the Year of Mobile Banking for Banks and Credit Unions?

Although mobile banking has become commonplace, this is still an area for banks and credit unions to differentiate themselves. Given the market's ever-growing demand for…

Learn More »

Tuesday 9 January 2024

Beyond Resolutions: Keeping Account Holders Loyal and their Money Savvy for the Long-Term

While nearly every adult makes at least one resolution in the new year, some estimates suggest less than 10% complete them – due to unforeseen…

Learn More »

Wednesday 27 December 2023

2024 Retail Banking Trends: Insights and Tips for Banks and Credit Unions to Drive Growth

2024 is going to be all about optimization: strategies, processes, and solutions that have transformed the banking world this year. But, it's important for technology…

Learn More »

Tuesday 12 December 2023

It’s the Most Wonderful Time of the Year… for Check and Payment Fraud

Payment scams and online threats are ever-present, and with evolving techniques and emerging technologies, fraudsters offer a renewed threat this holiday season. Despite the increased…

Learn More »