UNITED BUSINESS BANK

WALNUT CREEK, CA | Large | Est. July 20, 2004, midnight | FDIC #57716 | RSSD #3281510 | FED
Latest Report: 2025-12-31

UNITED BUSINESS BANK is aln large FDIC-insured commercial bank headquartered in WALNUT CREEK, CA, established in July 20, 2004, midnight. As of 2025-12-31, the bank reported total assets of $2.6B and total deposits of $2.2B. Profitability stands at 1.15% ROA and 9.22% ROE, with a net interest margin of 4.20%. The bank's CET1 capital ratio is 13.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.65% and a Texas Ratio of 3.84%. FDIC Certificate #57716.

Assets

$2.6B

Deposits

$2.2B

Loans

$2.1B

Equity

$327M

Profitability

Return on Assets (ROA) 1.15%
Return on Equity (ROE) 9.22%
Net Interest Margin (NIM) 4.20%
Yield on Assets 5.75%
Cost of Funds 2.22%

Asset Quality

NPL Ratio 0.65%
Net Charge-Off Ratio 0.05%
Texas Ratio 3.84%
NPA Ratio 0.52%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 13.84%
Tier 1 Capital 13.84%
Total Capital Ratio 14.87%
Leverage Ratio 11.45%
Loan-to-Deposit 93.09%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required