United Business Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 130.51 percentage points higher than in Q1 2026, at 254.41%. United Business Bank has the 7th lowest return on assets of the 114 banks headquartered in California, at -1.08% as of Q2 2026. United Business Bank's return on assets of -1.08% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 2.36 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.76% |
| Tier 1 risk-based capital ratio | 13.76% |
| Total risk-based capital ratio | 14.87% |
| Tier 1 leverage ratio | 11.66% |
| Equity capital to assets | 12.72% |
| Tangible equity to tangible assets | 11.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.56% |
| Texas ratio | 3.14% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 254.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.08% |
| Return on equity | -8.27% |
| Net interest margin | 3.92% |
| Efficiency ratio | 106.48% |
| Yield on earning assets | 5.31% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.50% |
| Core deposits to total deposits | 93.85% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.73% |
| Securities to assets | 7.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.20% | 17.20% | 18.23% | 13.26% | 1.18% |
| Q4 2023 | 16.94% | 16.94% | 18.08% | 13.08% | 1.00% |
| Q1 2024 | 16.91% | 16.91% | 17.87% | 13.41% | 0.97% |
| Q2 2024 | 17.47% | 17.47% | 18.45% | 13.62% | 1.03% |
| Q3 2024 | 16.81% | 16.81% | 17.76% | 13.23% | 0.89% |
| Q4 2024 | 16.94% | 16.94% | 17.86% | 13.42% | 1.21% |
| Q1 2025 | 17.23% | 17.23% | 18.17% | 13.92% | 1.03% |
| Q2 2025 | 17.35% | 17.35% | 18.28% | 14.03% | 1.09% |
| Q3 2025 | 13.54% | 13.54% | 14.56% | 10.88% | 0.88% |
| Q4 2025 | 13.84% | 13.84% | 14.87% | 11.45% | 1.15% |
| Q1 2026 | 14.54% | 14.54% | 15.55% | 11.70% | 1.28% |
| Q2 2026 | 13.76% | 13.76% | 14.87% | 11.66% | -1.08% |
United Business Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Business Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57716) · FFIEC NIC profile (RSSD 3281510)