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 $1.16 billion
Loans $0.85 billion
Deposits $1.03 billion
Capital $0.11 billion

United Business Bank is an FDIC insured institution located in Walnut Creek, CA. It was founded in 2004 and has approximately $1.16 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, United Business Bank’s loan portfolio does not show any specific loan specialty.

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 10.59
Multifamily
Mortgages
13.75
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 12.40
Construction and Development Loans 2.63
Commercial Real Estate 58.88
Commercial and Industrial Loans 11.99
Farm Loans 0.28

Savings 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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
3.950% 3.950% 0.00 $0 $1,187 Learn More

Note to United Business Bank
To upload and update your bank's rates please register. It is free to register and add rates.

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
0.54% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, United Business Bank had $367,000 in non-current loans and $275,000 in owned real estate. To cover these potential losses it had $114,052,000 in equity and $4,075,000 in loans loss reserves. That gives it a Texas Ratio of 0.54%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
United Business Bank U.S. Bank Average
6.59% 8.39%

United Business Bank has a Return on Equity of 6.59% versus the BestCashCow average of 8.39%. 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
9.87% 11.94%

United Business Bank has a Capitalization of 9.87% versus the BestCashCow average of 11.94%. 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 June 30, 2017, United Business Bank had assets of $1,155,538,000, loans of $854,640,000, and deposits of $1,032,847,000. 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.

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