United Business Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
United Business Bank spends more to run itself than most banks of its size. Its balance sheet stood at $2.6 billion at June 30, 2026, down 1.6% from a year earlier; it is based in Walnut Creek, California. It loses about $1.08 a year on every $100 of assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also spends about 106 cents to bring in each dollar of revenue, about double the median of 58 cents for banks its size.
It lost $6.8 million in the quarter. Over the same year, loans grew 3.7% and deposits shrank 0.7%. Concentration is the risk to watch: it holds commercial real estate loans worth 4.0 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
As of June 30, 2026, United Business Bank reported a CET1 capital ratio of 13.76%, a return on assets of -1.08%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 2.85%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 500 Ygnacio Valley Rd, Walnut Creek, CA 94596
- County
- Contra Costa
- Metro Area
- San Francisco-Oakland-Fremont, CA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 20, 2004
- Offices
- 34 domestic
- Employees (FTE)
- 329
- Domestic deposits
- $2.17B
- Allowance for credit losses
- $22.9M
- Net charge-offs (YTD)
- $2.9M
- Average total assets
- $2.54B
- Average total loans
- $2.02B
- Average interest-bearing deposits
- $1.59B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 20, 2004
- FDIC Cert
- 57716
- Fed RSSD
- 3281510
- SEC CIK
- 1730984 → filed by BAYCOM CORP
- Parent Holding Company
- BAYCOM CORP (RSSD 5069897) · BCML
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Christopher F Baron | CEO | President and CEO |
| Kevin L Thompson | CFO | EVP, Chief Financial Officer |
| King Janet Lee | COO | Senior EVP and COO |
| Izabella L. Zhu | CRO | EVP and Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full United Business Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock United Business Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
United Business Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for United Business Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.76% | -1.08% | 0.47% | 2.85% | 3.92% |
| Q1 2026 | 14.54% | 1.28% | 0.83% | 4.99% | 4.08% |
| Q4 2025 | 13.84% | 1.15% | 0.65% | 3.82% | 4.05% |
| Q3 2025 | 13.54% | 0.88% | 0.68% | 4.28% | 3.94% |
| Q2 2025 | 17.35% | 1.09% | 0.81% | 3.55% | 3.90% |
| Q1 2025 | 17.23% | 1.03% | 0.51% | 2.56% | 3.91% |
| Q4 2024 | 16.94% | 1.21% | 0.48% | 2.08% | 3.95% |
| Q3 2024 | 16.81% | 0.89% | 0.50% | 2.23% | 3.88% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 34 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Oakland Branch | Oakland , CA | 94621 | $267.1M |
| Long Beach Branch | Long Beach , CA | 90806 | $193.4M |
| San Francisco Branch | San Francisco , CA | 94105 | $190.6M |
| Tukwila Branch | Tukwila , WA | 98168 | $142.8M |
| San Jose Branch | San Jose , CA | 95131 | $130.9M |
| United Business Bank (main office) | Walnut Creek , CA | 94596 | $112.2M |
| Mountain View Branch | Mountain View , CA | 94040 | $82.8M |
| Albuquerque Branch | Albuquerque , NM | 87107 | $81.9M |
| Sacramento Branch | Sacramento , CA | 95816 | $69.2M |
| Buena Park Branch | Buena Park , CA | 90621 | $68.4M |
| Irvine Branch | Irvine , CA | 92614 | $64.0M |
| Pleasanton Branch | Pleasanton , CA | 94566 | $62.3M |
| Castro Valley Branch | Castro Valley , CA | 94552 | $60.4M |
| Stockton Branch | Stockton , CA | 95207 | $56.8M |
| Belen Branch | Belen , NM | 87002 | $50.1M |
| Westcliffe Branch | Westcliffe , CO | 81252 | $46.0M |
| Paonia Branch | Paonia , CO | 81428 | $44.3M |
| Los Lunas Branch | Los Lunas , NM | 87031 | $41.9M |
| Kremmling Branch | Kremmling , CO | 80459 | $41.3M |
| Hotchkiss Branch | Hotchkiss , CO | 81419 | $40.1M |
| Garden Grove Branch | Garden Grove , CA | 92844 | $39.5M |
| Granby Branch | Granby , CO | 80446 | $35.6M |
| Livermore Branch | Livermore , CA | 94550 | $30.1M |
| Grand Lake Branch | Grand Lake , CO | 80447 | $28.7M |
| Waterloo Branch | Stockton , CA | 95215 | $27.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 2, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 2, 2022 | Structure Change | Acquired Pacific Enterprise Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 4, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 4, 2020 | Structure Change | Acquired Grand Mountain Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 22, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 22, 2019 | Structure Change | Acquired First State Bank of Colorado Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 25, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 25, 2019 | Structure Change | Acquired Uniti Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2018 | Structure Change | Acquired My Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 4, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 4, 2017 | Structure Change | Acquired Plaza Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 29, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 29, 2017 | Structure Change | Acquired United Business Bank, F.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 14, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 14, 2015 | Structure Change | Acquired Valley Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 26, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 26, 2014 | Structure Change | Acquired Community Bank of San Joaquin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 19, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 19, 2011 | Structure Change | Acquired Global Trust Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 20 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for United Business Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 70 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $7.5M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about United Business Bank
What are United Business Bank's total assets?
As of the Q2 2026 filing, United Business Bank reported total assets of $2.56 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is United Business Bank headquartered?
United Business Bank is headquartered in Walnut Creek, CA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was United Business Bank founded?
United Business Bank was established in 2004, per the FDIC institution directory.
Is United Business Bank FDIC-insured?
Yes. United Business Bank is an FDIC-insured commercial bank (FDIC Certificate #57716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Business Bank?
United Business Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is United Business Bank's CET1 capital ratio?
United Business Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.76% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does United Business Bank operate?
United Business Bank operates 34 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Business Bank's Texas Ratio?
United Business Bank's Texas Ratio is 2.85% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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