California United Bank


818 West Seventh Street Suite 220
Los Angeles, CA 90017
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

California United Bank is an FDIC insured institution located in Los Angeles, CA. It was founded in 2005 and has approximately $3.1 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 57904
Date Established 2005
Assets $ 3.04 billion
Loans $ 2.07 billion
Deposits $ 2.69 billion
Capital $ 368.69 million

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

Deposit Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for California United Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.798% 2.750%
-0.38 points
$1,562 fees
$1,021 Learn More
NMLS ID: 2890
License#: 13256
2.636% 2.625%
0.13 points
$352 fees
$1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to California United Bank
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Financial Details

California United Bank Ratio Analysis

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

Texas Ratio
California United Bank U.S. Bank Average
1.07% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2021, California United Bank had $4,130,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $368,687,000 in equity and $19,015,000 in loans loss reserves. That gives it a Texas Ratio of 1.07%.

Return on Equity
California United Bank U.S. Bank Average
10.46% 11.43%

California United Bank has a Return on Equity of 10.46% versus the BestCashCow average of 11.43%. 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.

California United Bank U.S. Bank Average
12.13% 11.51%

California United Bank has a Capitalization of 12.13% versus the BestCashCow average of 11.51. 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.

California United Bank Balance Sheet Analysis

As of September 30, 2017, California United Bank had assets of $3,101,224,000, loans of $2,068,439,000, and deposits of $2,686,381,000. 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.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.07 billion
Loan loss allowance $ 19.02 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 2.69 billion
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 3.04 billion

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in California United Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.

Compared to other banks in California, California United Bank has a significantly higher percent of Construction and Development 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 5.52
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 6.75
Construction and Development Loans 10.53
Commercial Real Estate 54.57
Commercial and Industrial Loans 22.70
Farm Loans 0.00

Frequently Asked Questions About California United Bank

Branches and Savings

Is California United Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57904.

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

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

Why are California United Bank CD rates not competitive?

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

Is California United Bank a commercial bank?


Where are California United Bank locations?

See branch locations nearby.

Is California United Bank open on Saturdays?

Is California United Bank open on Sundays?

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Are California United Bank ATMs Open 24/7?

Do California United Bank ATMs accept cash deposits?

Can California United Bank customers use other ATMs?

Do California United Bank branches have notaries?

Will California United Bank notarize my document?

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

Will the California United Bank branch print checks?

Do California United Bank checks expire?

Does California United Bank require US citizenship to open account?

Can California United Bank close my account?

Does California United Bank Report to credit bureaus?

Does California United Bank Use Equifax?

What is California United Bank's ACH Routing Number?

What is California United Bank's SWIFT code?


Does California United Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does California United Bank offer personal loans?

Compare personal loan rates here.

Does California United Bank offer student loans?

Will California United Bank cash a check?

Will California United Bank redeem a savings bond?

Does California United Bank cash savings bonds?

Will California United Bank cash money orders?

Can California United Bank issue a money order?

Does California United Bank do currency exchange?

Background on The Bank

Who owns California United Bank?

How long has California United Bank been around?

Can California United Bank transfer to other banks?

Does California United Bank have quick pay?

Does California United Bank accept rolled coins?

Will California United Bank accept loose change?

Where is California United Bank headquarters?

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