United Business Bank


500 Ygnacio Valley Rd
Walnut Creek, CA 94596
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.38% →
2-Year CD N.A. 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 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 $2.54 billion in assets. Customers can open an account at one of its 21 branches.

FDIC Insured Yes
FDIC Certificate # 57716
Date Established 2004
Assets $ 2.54 billion
Loans $ 1,905.83 million
Deposits $ 2.15 billion
Capital $ 358.77 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 - July 12, 2024

Your Current Location: Virginia, VA 20146

Loan Rates - July 12, 2024

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 2024

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6.355% 6.250%
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NMLS ID: 1025894
6.602% 6.490%
1.00 points
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6.806% 6.625%
0.88 points
$6,000 fees
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Rocket Mortgage
NMLS ID: 3030
6.961% 6.875%
0.88 points
$2,800 fees
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Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to United Business Bank
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Climate Policy and Initiatives

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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
3.4% 3.96%

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 $12,965,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $358,771,000 in equity and $22,000,000 in loans loss reserves. That gives it a Texas Ratio of 3.4%.

Return on Equity
United Business Bank U.S. Bank Average
8.6% 12.20%

United Business Bank has a Return on Equity of 8.6% versus the BestCashCow average of 12.20%. 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.

United Business Bank U.S. Bank Average
14.15% 10.76%

United Business Bank has a Capitalization of 14.15% versus the BestCashCow average of 10.76. 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, 2023, United Business Bank had assets of $2,535,924,000, loans of $1,905,829,000, and deposits of $2,145,756,000. 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
Cash & Balances due from depository institutions $ 308.75 million
Interest-bearing balances $ 290.85 million
Total securities $ 163.15 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,905.83 million
Loan loss allowance $ 22.00 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 44.02 million
All other assets $ 77.42 million
     Total Assets $ 2.18 billion
Total deposits $ 2.15 billion
      Interest-bearing deposits $ 1,498.59 million
      Deposits held in domestic offices $ 2.15 billion
      % insured (estimated) 54.88%
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 $ 2.18 billion
      Shareholders’ Equity $ 358.77 million

Summary Income Statement

December 31, 2024
Total Interest Income $ 125.51 million
Total Interest Expense $ 24.24 million
Net interest income $ 101.27 million
Provision for loan and lease losses $ 2.02 million
Total non interest income $ 8.44 million
Total non interest expense $ 64.31 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 4.89
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 11.44
Construction and Development Loans 0.84
Commercial Real Estate 71.35
Commercial and Industrial Loans 12.95
Farm Loans 0.04

Customer Reviews for United Business Bank

  • 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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