United Business Bank

BankWalnut Creek, California
http://www.unitedbusinessbank.com

Total Assets

$2.6B

Total Deposits

$2.2B

Branches

34

Established

2004

TFS Health Grade

$
C

74.9 / 100

Average financial health

How we grade

United Business Bank is a bank headquartered in Walnut Creek, California, established in 2004. With $2.6B in total assets and 34 branch locations, it has a TFS Financial Health Grade of C (74.9/100).

Capital & Safety

Tier 1 Capital Ratio
11.45%(8%)
Total Capital Ratio
14.87%(10%)
Non-Performing Loan Ratio
0.65%

Profitability

Return on Assets (ROA)
1.04%(1%)
Return on Equity (ROE)
7.54%(10%)
Net Interest Margin
4.03%
Efficiency Ratio
59.99%(60%)

Lending & Liquidity

Total Loans
$2.1B
Loan-to-Deposit Ratio
92.14%
Net Charge-Off Ratio
0.05%

Growth

Asset Growth (YoY)
-2.62%
Deposit Growth (YoY)
-0.98%
Net Income
$27.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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