United Business Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Business Bank of Walnut Creek, CA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.08% | 1.46% | -2.54% | 1st bottom |
| ROAE | -8.27% | 12.74% | -21.01% | 1st bottom |
| Net Interest Margin | 3.92% | 3.85% | +0.07% | 64th above |
| Efficiency Ratio | 106.48% | 57.36% | +49.12% | 1st bottom |
| PPNR / Avg Assets | -0.28% | 1.88% | -2.16% | 1st bottom |
| Yield on Earning Assets | 5.31% | 5.72% | -0.41% | 36th below |
| Cost of Funds | 1.53% | 2.02% | -0.49% | 80th top |
| Net Interest Spread | 3.28% | 3.18% | +0.10% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.43% | 1.00% | -0.57% | 63rd above |
| NPA / Total Assets | 0.35% | 0.76% | -0.41% | 61st above |
| NCO / Avg Loans | 0.56% | 0.43% | +0.13% | 8th bottom |
| ACL / Total Loans | 1.11% | 1.31% | -0.20% | 43rd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 254.41% | 543.64% | -289.23% | 64th above |
| Texas Ratio | 3.14% | 7.39% | -4.25% | 64th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 160.78% | 619.14% | -458.36% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.76% | 17.34% | -3.58% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.76% | 17.37% | -3.61% | 55th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.87% | 18.42% | -3.55% | 54th above |
| Leverage Ratio | 11.66% | 11.44% | +0.22% | 72nd above |
| Equity / Assets | 12.72% | 11.33% | +1.39% | 83rd top |
| TCE / Tangible Assets | 11.33% | 10.50% | +0.83% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.50% | 86.94% | +8.56% | 28th below |
| Core Deposit Ratio | 93.85% | 85.55% | +8.30% | 79th top |
| Uninsured Deposit Ratio | 46.48% | 33.11% | +13.37% | 13th bottom |
| Wholesale Funding Ratio | 1.59% | 5.71% | -4.12% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.58% | 9.69% | -11.27% | 10th bottom |
| Loan Growth (Y/Y) | 3.75% | 8.06% | -4.31% | 40th below |
| Deposit Growth (Y/Y) | -0.66% | 7.88% | -8.54% | 15th bottom |
See United Business Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Business Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full United Business Bank profile, how to read a UBPR, or how this data updates.