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United Business Bank
Walnut Creek, CA · FDIC Certificate #57716 · Chartered 07/2
Total assets
$2.56B
Total deposits
$2.17B
Total equity
$326.25M
Net loans
$2.05B
Branches (offices)
34
Net income (YTD)
$1.53M
Rank: #494 of 4,213 U.S. banks by assets · #38 of 115 in California. Assets changed -1.6% and deposits -0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.12% |
| Return on equity | 0.93% |
| Net interest margin (YTD) | 4.05% |
| Equity to assets | 12.72% |
| Tier 1 leverage ratio | 11.66% |
| Uninsured deposits (share of deposits) | 46.5% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | 0.28% |
| Loans to deposits | 94.4% |
| Real estate loans (share of loans) | 93.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.92B | 93.4% | |
| Commercial & industrial | $155.33M | 7.6% | |
| Consumer / individual | $1.16M | 0.1% | |
| Construction & development | $10.15M | 0.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.66B | $2.26B | $13.00M | $368.17M |
| Jun 2023 | $2.55B | $2.16B | $17.14M | $357.60M |
| Jun 2024 | $2.58B | $2.18B | $12.74M | $372.83M |
| Jun 2025 | $2.61B | $2.19B | $13.67M | $389.12M |
| Jun 2026 | $2.56B | $2.17B | $1.53M | $326.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $1.47B | 16 |
| Colorado | $312.38M | 11 |
| New Mexico | $226.62M | 5 |
| Washington | $142.83M | 1 |
| Nevada | $18.43M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.17B.
Similar-sized banks
Cornerstone Bank ($2.57B) · Schaumburg Bank & Trust Company, National Association ($2.56B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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