United Business Bank
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Data as of · sourced from FFIEC call reports. How we update
United Business Bank is an FDIC-insured commercial bank headquartered in Walnut Creek, CA, established in 2004 (FDIC certificate 57716), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.56B, down 1.6% from Q2 2025, the 37th largest of 113 banks headquartered in California. Its CET1 capital ratio was 13.76% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57716
- Headquarters
- Walnut Creek, CA
- Established
- 2004
- Total assets, Q2 2026
- $2.56B
- Assets vs Q2 2025
- -1.6%
- CET1 ratio, Q2 2026
- 13.76%
- Domestic offices
- 34 FDIC institution directory, current count
- Routing number
- 121143781
- Latest call report
- Q2 2026, FFIEC 051 · United Business Bank call report
- Holding company
- BAYCOM CORP
- Asset rank in state
- 37th of 113 in California
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%. The figures come from its call report filed with the FFIEC.
United Business Bank ranks as the 37th largest of the 113 banks based in California, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.6% to $2.56B, loans rose 3.2% and deposits fell 4.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 43.7% of total loans, followed by owner-occupied commercial real estate loans at 23.1%. Its 34 offices in the FDIC Summary of Deposits are in 32 cities across 5 states; its Oakland office books 12% of its branch deposits. By the capital ratios in its Q2 2026 call report, United Business Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 34 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, United Business Bank's total assets ran between $2.54B (Q4 2023) and $2.65B (Q4 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.56B total assets against $2.61B; $2.24B total liabilities against $2.22B.
$2.05B net loans and leases against $1.98B; $2.17B total deposits against $2.19B.
$182.7M securities against $184.7M; $177.3M cash and balances due against $291.6M.
$32.0M total interest income against $33.2M; $8.4M total interest expense against $9.2M.
$23.6M net interest income against $24.0M.
$1.5M total noninterest income against $1.6M; $26.9M total noninterest expense against $15.7M.
$5.2M provision for credit losses against $203K.
-$6.8M net income against $7.1M.
-1.08% return on assets against 1.09%; 3.92% net interest margin against 3.90%.
13.76% CET1 capital ratio against 17.35%; 11.66% tier 1 leverage ratio against 14.03%.
Inside the full United Business Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 486 of 4,196, for total assets; its furthest is 3,570 of 3,606, for efficiency ratio.
Metric pages for United Business Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.08% (Q2 2026) to 1.28% (Q1 2026) and its net interest margin ran from 3.88% (Q3 2024) to 4.08% (Q1 2026).
| 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
View all 34 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 70 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is United Business Bank headquartered?
It is headquartered in Walnut Creek, CA, United States.
When was United Business Bank founded?
It was established in 2004, per the FDIC institution directory.
Is United Business Bank FDIC-insured?
Yes. It 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.
What is United Business Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 2.85% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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