United Business Bank

500 Ygnacio Valley Road Suite 200
Walnut Creek, CA 94596

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57716
Date Established 2004
Assets $1.19 billion
Loans $0.84 billion
Deposits $1.06 billion
Capital $0.12 billion

United Business Bank is an FDIC insured institution located in Walnut Creek, CA. It was founded in 2004 and has approximately $1.19 billion in assets. Customers can open an account at one of its 12 branches.

For a more detailed analysis of United Business Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in United Business Bank’s loan portfolio are Commercial Real Estate, Multifamily Mortgages, and Small Business Loans.

Compared to other banks in California, United Business Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 9.88
Multifamily
Mortgages
14.24
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 12.49
Construction and Development Loans 1.82
Commercial Real Estate 59.91
Commercial and Industrial Loans 11.98
Farm Loans 0.27

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $1,000 $49,999 Learn MoreShow Less
3 Mo CD 100K
0.20% $100,000 $249,999 Learn MoreShow Less
6 Mo CD 10K
0.25% $1,000 $49,999 Learn MoreShow Less
6 Mo CD 100K
0.35% $100,000 $249,999 Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.25% $1,000 $49,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.05% $1,000 $10,000 Learn MoreShow Less
MM 10K
0.10% $10,001 $50,000 Learn MoreShow Less
Int Checking Rates APY MIN MAX
INTCK2.5K
0.02% $1,000 $50,000 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for United Business Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
4.125% 4.125% 0.00 $0 $1,212 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.930% 3.875% 0.25 $1,800 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to United Business Bank
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Branches

United Business Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


United Business Bank Locations

Financial Details

United Business Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United Business Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
United Business Bank U.S. Bank Average
0.38% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, United Business Bank had $186,000 in non-current loans and $275,000 in owned real estate. To cover these potential losses it had $117,509,000 in equity and $4,075,000 in loans loss reserves. That gives it a Texas Ratio of 0.38%.

Return on Equity
United Business Bank U.S. Bank Average
8.57% 8.84%

United Business Bank has a Return on Equity of 8.57% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
United Business Bank U.S. Bank Average
9.92% 12.21%

United Business Bank has a Capitalization of 9.92% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

United Business Bank Balance Sheet Analysis

As of September 30, 2017, United Business Bank had assets of $1,185,015,000, loans of $841,132,000, and deposits of $1,055,341,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About United Business Bank

Branches and Savings

Is United Business Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57716.

Why does United Business Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are United Business Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is United Business Bank a commercial bank?

Yes

Where are United Business Bank locations?

See branch locations nearby.

Is United Business Bank open on Saturdays?

Is United Business Bank open on Sundays?

What time does United Business Bank open?

What time does United Business Bank close?

Are United Business Bank ATMs Open 24/7?

Do United Business Bank ATMs accept cash deposits?

Can United Business Bank customers use other ATMs?

Do United Business Bank branches have notaries?

Will United Business Bank notarize my document?

What address for United Business Bank should I put for incoming ACH transfers?

Will the United Business Bank branch print checks?

Do United Business Bank checks expire?

Does United Business Bank require US citizenship to open account?

Can United Business Bank close my account?

Does United Business Bank Report to credit bureaus?

Does United Business Bank Use Equifax?

What is United Business Bank's ACH Routing Number?

What is United Business Bank's SWIFT code?

Products

Does United Business Bank offer mortgages?

Compare mortgage rates here.

Does United Business Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United Business Bank offer personal loans?

Compare personal loan rates here.

Does United Business Bank offer student loans?

Will United Business Bank cash a check?

Will United Business Bank redeem a savings bond?

Does United Business Bank cash savings bonds?

Will United Business Bank cash money orders?

Can United Business Bank issue a money order?

Does United Business Bank do currency exchange?

Background on The Bank

Who owns United Business Bank?

How long has United Business Bank been around?

Can United Business Bank transfer to other banks?

Does United Business Bank have quick pay?

Does United Business Bank accept rolled coins?

Will United Business Bank accept loose change?

Where is United Business Bank headquarters?

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