United Business Bank

500 Ygnacio Valley Road Suite 200
Walnut Creek, CA 94596

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57716
Date Established 2004
Assets $1.48 billion
Loans $0.97 billion
Deposits $1.30 billion
Capital $0.17 billion

United Business Bank is an FDIC insured institution located in Walnut Creek, CA. It was founded in 2004 and has approximately $1.48 billion in assets. Customers can open an account at one of its 21 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, Small Business Loans, and Multifamily Mortgages.

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 10.58
Multifamily
Mortgages
12.07
Credit Card Loans 0.00
Consumer Auto Loans 0.05
Small Business Loans 13.11
Construction and Development Loans 4.87
Commercial Real Estate 58.59
Commercial and Industrial Loans 11.81
Farm Loans 0.74

Deposit Rates - April 21, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1,000 $10,000 Learn MoreShow Less
Money Market
0.10% $10,001 $50,000 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.10% $1,000 $49,999 Learn MoreShow Less
3 Mo CD
0.20% $100,000 $249,999 Learn MoreShow Less
6 Mo CD
0.25% $1,000 $49,999 Learn MoreShow Less
6 Mo CD
0.35% $100,000 $249,999 Learn MoreShow Less
12 Mo CD
0.25% $1,000 $49,999 Learn MoreShow Less
12 Mo CD
0.35% $100,000 $249,999 Learn MoreShow Less
18 Mo CD
0.40% $1,000 $49,999 Learn MoreShow Less
18 Mo CD
0.50% $100,000 $249,999 Learn MoreShow Less
24 Mo CD
0.40% $1,000 $49,999 Learn MoreShow Less
24 Mo CD
0.50% $100,000 $249,999 Learn MoreShow Less
30 Mo CD
0.55% $1,000 $49,999 Learn MoreShow Less
36 Mo CD
0.55% $1,000 $49,999 Learn MoreShow Less
36 Mo CD
0.65% $100,000 $249,999 Learn MoreShow Less
48 Mo CD
0.75% $1,000 $49,999 Learn MoreShow Less
48 Mo CD
0.85% $100,000 $249,999 Learn MoreShow Less
60 Mo CD
1.01% $1,000 $49,999 Learn MoreShow Less
60 Mo CD
1.11% $100,000 $249,999 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.25% $1,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $1,000 $50,000 Learn MoreShow Less

Loan Rates - April 21, 2019

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: CL-2925. NMLSID#2925
4.031% 4.000% 0.38 $945 $1,194 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A 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:
Seattle,Washington


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
2.24% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2018, United Business Bank had $3,128,000 in non-current loans and $801,000 in owned real estate. To cover these potential losses it had $170,388,000 in equity and $5,140,000 in loans loss reserves. That gives it a Texas Ratio of 2.24%.

Return on Equity
United Business Bank U.S. Bank Average
10.31% 8.80%

United Business Bank has a Return on Equity of 10.31% versus the BestCashCow average of 8.80%. 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
11.53% 12.29%

United Business Bank has a Capitalization of 11.53% versus the BestCashCow average of 12.29. 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, 2018, United Business Bank had assets of $1,477,754,000, loans of $971,044,000, and deposits of $1,295,722,000. 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, 2018
ASSETS
Cash & Balances due from depository institutions $0.32 billion
Interest-bearing balances $0.30 billion
Total securities $0.10 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.97 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.02 billion
All other assets $0.04 billion
     Total Assets $1.31 billion
LIABILITIES
Total deposits $1.30 billion
      Interest-bearing deposits $0.90 billion
      Deposits held in domestic offices $1.30 billion
      % insured (estimated) 50.96%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $1.31 billion
      Shareholders’ Equity $0.17 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.06 billion
Total Interest Expense $0.00 billion
Net interest income $0.05 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.04 billion
Pre-tax Net Operating Income $0.02 billion

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?

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