United Business Bank

Headquarters

500 Ygnacio Valley Rd
Walnut Creek, CA 94596
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.05%	4.66% →
1-Year CD	0.35%	4.59% →
2-Year CD	0.40%	4.25% →
5-Year CD	1.01%	4.15% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Bank Information

United Business Bank is an FDIC insured institution located in Walnut Creek, CA. It was founded in 2004 and has approximately $2.65 billion in assets. Customers can open an account at one of its 21 branches.


FDIC Insured	Yes
FDIC Certificate	# 57716
Date Established	2004
Assets	$ 2.65 billion
Loans	$ 1,937.21 million
Deposits	$ 2.24 billion
Capital	$ 372.27 million

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.

Deposit Rates - May 13, 2025

Your Current Location: Washington, WA 98109

Savings and Money Market Rates	APY	MIN	MAX
Savings	0.05%	$2,500	$4,999	Learn More Reviews
Money Market	0.05%	$2,500	$2,999	Learn More Reviews
Money Market	0.05%	$10,000	$14,999	Learn More Reviews
Money Market	0.10%	$25,000	$29,999	Learn More Reviews

CD Rates	APY	MIN	MAX
6 Mo CD	0.25%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.35%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.25%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.35%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.40%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.55%	$10,000	$14,999	Learn More Reviews
48 Mo CD	0.75%	$10,000	$14,999	Learn More Reviews
60 Mo CD	1.01%	$10,000	$14,999	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.02%	$2,500	$3,499	Learn MoreShow Less

Loan Rates - May 13, 2025

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 432980	6.371%	6.250% 0.00 points $4,324 fees	$1,971	Learn More
NMLS ID: 447490	6.612%	6.500% 0.75 points $3,728 fees	$2,023	Learn More
NMLS ID: 181106 License#: 1998387	6.672%	6.500% 0.63 points $5,825 fees	$2,023	Learn More
NMLS ID: 118653 License#: CL-118653	6.686%	6.624% 0.63 points $2,064 fees	$2,049	Learn More

See More Mortgage Rates →

Featured - Washington Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.8% - 15.20*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Reliant Home Funding, Inc See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]
Achieve Loans See Table	Intro APR 10.125 % After Intro: 10.125 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Equal Housing Opportunity. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

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:
Seattle,Washington

United Business Bank Locations around zip code 98109

Branch	Distance	Map	View Lobby Hours
Seattle Downtown Branch	1.35	A	View Lobby Hours
Seattle Washington Branch	11.97	B	View Lobby Hours
Sacramento Branch	622.34	C	View Lobby Hours
Napa Branch	644.74	D	View Lobby Hours
Stockton Branch	667.66	E	View Lobby Hours
United Business Bank	671.88	F	View Lobby Hours
Waterloo Branch	672.17	G	View Lobby Hours
San Francisco Branch	679.88	H	View Lobby Hours
Oakland Hegenberger Branch	683.97	I	View Lobby Hours
Castro Valley Branch	686.48	J	View Lobby Hours
Livermore Branch	687.87	K	View Lobby Hours
Pleasanton Branch	689.19	L	View Lobby Hours
Mountain View Branch	707.86	M	View Lobby Hours
San Jose Branch	708.17	N	View Lobby Hours
San Jose Branch	713.61	O	View Lobby Hours
Tri-Cities Branch	956.13	P	View Lobby Hours
Kilroy Airport Way	980.59	Q	View Lobby Hours
Pacific Enterprise Bank	992.08	R	View Lobby Hours
Albuquerque Br	1200.37	S	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

United Business Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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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
2.42%	4.63%

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 December 31, 2024, United Business Bank had $9,454,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $372,266,000 in equity and $17,900,000 in loans loss reserves. That gives it a Texas Ratio of 2.42%.

Return on Equity

United Business Bank	U.S. Bank Average
7.17%	10.10%

United Business Bank has a Return on Equity of 7.17% versus the BestCashCow average of 10.10%. 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
14.07%	11.02%

United Business Bank has a Capitalization of 14.07% versus the BestCashCow average of 11.02. 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 December 31, 2024, United Business Bank had assets of $2,646,302,000, loans of $1,937,212,000, and deposits of $2,243,144,000. 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

December 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 363.72 million
Interest-bearing balances	$ 340.58 million
Total securities	$ 193.33 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 1,937.21 million
Loan loss allowance	$ 17.90 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 42.21 million
All other assets	$ 77.42 million
Total Assets	$ 2.27 billion

LIABILITIES
Total deposits	$ 2.24 billion
Interest-bearing deposits	$ 1,553.65 million
Deposits held in domestic offices	$ 2.24 billion
% insured (estimated)	53.45%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 12.76 million
Subordinated debt	N.A.
All other liabilities	$ 16.08 million
Total Liabilities	$ 2.27 billion
Shareholders’ Equity	$ 372.27 million

Summary Income Statement

December 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 130.92 million
Total Interest Expense	$ 36.33 million
Net interest income	$ 94.58 million
Provision for loan and lease losses	$ 1.27 million
Total non interest income	$ 6.25 million
Total non interest expense	$ 63.94 million
Pre-tax Net Operating Income	$ 17.58 million

Bank Loan Profile^?

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

Compared to other banks in California, United Business Bank has a significantly higher percent of Commercial Real Estate 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	4.81		✓
Multifamily Mortgages	13.32		✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	0.01		✓
Small Business Loans	11.16		✓
Construction and Development Loans	0.83		✓
Commercial Real Estate	70.19			✓
Commercial and Industrial Loans	12.74		✓
Farm Loans	0.04		✓

Customer Reviews for United Business Bank

Small Company

April 9, 2020 |

I would stay away from this bank. It was much better run when it was Valley Community Bank, but went into the toilet when it was bought by Bay Commercial Bank. Their online banking terms and conditions changed to say if they gave you a virus or got your data stolen from their servers, you couldn't blame them. You couldn't link personal and corporate accounts unless they were all registered to the exact same SSN. Now that they merged into United Business Bank nothing much has changed. SBA loans are like pulling teeth. I guess they don't understand that these are backed by the Federal government and that minimizes their risk, but they treat you like you are a criminal out to rip them off. We have been a personal and corporate client for close to 20 years, but are changing banks right now.

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