What is UBQuant?
UBQuant is your UBPR analytics tool. While the typical UBPR reporting provides you necessary information, UBQuant analytics drives you towards better insights. UBQuant offers a comprehensive analytics solution for the bank UBPR/Call Report analysis with fast, interactive, and responsive interfaces. The UBQuant interface for any visualization includes bank view with % change, peer average comparisons, and watchlist trending, along with downloadable respective individual bank data.
How is UBPR analysis done with UBQuant?
At UBQuant, our mission is to bring better insights for data driven decisions and we develop dedicated solutions for bank performance evaluation. Using our intuitive visualizations, compare your custom peers or regulatory peer group averages or watchlist trends, augmented with individual bank data points. Our Critical Ratios offers leading key metrics to drive your performance insights beyond the standard UBPR ratios. Build your own performance stories by modeling with your custom ratios by defining your own formulas to turn the bank financial data into actionable insights. With UBQuant you can:
- Access your Financial Highlights
- Access standard UBPR report categories
- Define your set of calculated metrics
- Benchmark with regulatory or custom peer group averages
- Individually trend with your closely watched list of banks
- Analyze all UBPR or Call Report metrics with no restrictions and compare instantly with any set of banks
What are Financial Highlights?
Financial Highlights provide a standardized dynamic and explorable snapshot of 4-year financial report highlights. The metrics include most critically assessed metrics for easy reporting and a one-click drill-down to compare/trend with any peer group or trending.
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What are Standard Ratios?
From Summary Ratios to Fiduciary & Related Services, all regulatory categorized UBPR metrics organized for intuitive access and better analytics. Plus, research analysis on any UBPR or Call report metric.
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What are Critical Ratios?
UBQuant pre-defines CAEL metrics (Capital Adequacy, Asset Quality, Earnings, Liquidity) and other critical metrics with real-time formula-based computations to provide deeper insights for premium users. (We curated these ratios to support evaluation of bank’s financial condition based on the commonly used regulatory rating metrics, red flags, industry resources, and our customer requests.)
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What are Custom Ratios?
Custom Ratios are user-defined calculated metrics that are computed from existing call or UBPR metrics to drive more relevant analyses for a greater actionability without leaving the product. Take your evaluation to next level with real time formula computing - define your own set of formulas and design your way of analyzing with Custom Ratios. UBQuant pro users can define their own custom formula ratios to build their personal set of analytics. Real-time computations yield instant results along with peer computations and trends. No limitations or restrictions on metrics – any valid Call and/or UBPR metric combination can be used.
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Why do I see a difference between UBQuant PG values and the published PG values?
UBQuant computes the averages for any given group dynamically from the set of banks in the given group by excluding the home bank, whether it’s a custom peer group or a regulatory defined peer group. This may result in differences on how the value is being computed by the FFIEC. The UBQuant methodology is more closely aligned to real world computation where when you manually average all the values of the set of banks in the given benchmarking, the values must be equal to what’s being presented.
What is the source of UBPR data?
In general, the UBPR is a public document. The FFIEC agencies determined that the banking industry and the general public would benefit from having access to the same financial data used by federal and state bank regulators in the supervision of their banks. Consequently, most of the information contained in the UBPR is publicly available on the FFIEC website www.ffiec.gov. UBQuant Cloudops continuously monitor and synchronize the FFIEC published data.
How frequently is UBPR data updated?
UBQuant Cloudops continuously refreshes the UBPR data and is staged for a weekly update to users (typically on Sunday), unless significant data updates are available during any given week. Please note that FFIEC updates the UBPR data for the most recent quarter daily and for the five most recent consecutive quarters once a week.