United Business Bank

Headquarters

500 Ygnacio Valley Road Suite 200
Walnut Creek, CA 94596
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.20% →
1-Year CD 0.35% 1.10% →
2-Year CD 0.50% 1.15% →
5-Year CD 1.11% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 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 $2.17 billion in assets. Customers can open an account at one of its 21 branches.

FDIC Insured Yes
FDIC Certificate # 57716
Date Established 2004
Assets $ 2.17 billion
Loans $ 1,617.81 million
Deposits $ 1,779.73 million
Capital $ 259.63 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 - August 6, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.10% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
24 Mo CD
0.40% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.55% $10,000 $14,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
0.85% $100,000 $199,999 Learn More
60 Mo CD
1.01% $10,000 $14,999 Learn More
60 Mo CD
1.11% $100,000 $199,999 Learn More

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

Loan Rates - August 6, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

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
3.45% 6.94%

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, 2020, United Business Bank had $8,688,000 in non-current loans and $595,000 in owned real estate. To cover these potential losses it had $259,631,000 in equity and $9,100,000 in loans loss reserves. That gives it a Texas Ratio of 3.45%.

Return on Equity
United Business Bank U.S. Bank Average
4.65% 7.80%

United Business Bank has a Return on Equity of 4.65% versus the BestCashCow average of 7.80%. 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
11.98% 12.68%

United Business Bank has a Capitalization of 11.98% versus the BestCashCow average of 12.68. 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 March 31, 2020, United Business Bank had assets of $2,167,535,000, loans of $1,617,813,000, and deposits of $1,779,729,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 283.02 million
Interest-bearing balances $ 242.79 million
Total securities $ 123.93 million
Federal funds sold and reverse repurchase $ 7.83 million
Net loans and leases $ 1,617.81 million
Loan loss allowance $ 9.10 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.60 million
Goodwill and other intangibles $ 50.48 million
All other assets $ 54.57 million
     Total Assets $ 1,907.90 million
LIABILITIES
Total deposits $ 1,779.73 million
      Interest-bearing deposits $ 1,176.61 million
      Deposits held in domestic offices $ 1,779.73 million
      % insured (estimated) 55.68%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 114.89 million
Subordinated debt N.A.
All other liabilities $ 13.28 million
      Total Liabilities $ 1,907.90 million
      Shareholders’ Equity $ 259.63 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 22.49 million
Total Interest Expense $ 2.34 million
Net interest income $ 20.15 million
Provision for loan and lease losses $ 1.71 million
Total non interest income $ 2.63 million
Total non interest expense $ 16.78 million
Pre-tax Net Operating Income $ 4.28 million

Bank Loan Profile?

The top three loan types in United Business Bank’s loan portfolio are Commercial Real Estate, Multifamily Mortgages, and 1-4 Family Residential 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 12.65
Multifamily
Mortgages
15.91
Credit Card Loans 0.00
Consumer Auto Loans 0.07
Small Business Loans 0.00
Construction and Development Loans 2.61
Commercial Real Estate 55.53
Commercial and Industrial Loans 10.71
Farm Loans 0.25

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?

Customer Reviews for United Business Bank


  • April 09, 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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