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United Business Bank

$1B-$10B Specialty: Commercial CA FDIC cert 57716

Walnut Creek, CA

34 branches across CA · CO · NM · NV · WA

884 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

United Business Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.35% above tier average
  • + Efficiency Ratio 0.44% below tier average
  • + Delinquency Rate 0.05% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 20.5% in tier
  • - ROA 0.08% below tier average
Get updates when United Business Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $2.6B
+3.3% YoY +2.1% QoQ
-$183.3M $2.8B
-0.1% YoY
$4.7B
+7.7% YoY
$6.2B
+9.1% YoY
64%
Total Loans ? $2.0B
+2.2% YoY -2.7% QoQ
+$26.0M $2.0B
+0.6% YoY
$3.2B
+8.4% YoY
$3.2B
+10.8% YoY
67%
Total Deposits ? $2.3B
+6.2% YoY +2.1% QoQ
-$76.3M $2.3B
-0.3% YoY
$3.9B
+7.0% YoY
$4.8B
+8.2% YoY
66%
Return on Assets ? 1.29%
+26.7% YoY +23.7% QoQ
-0.08% 1.37%
+19.6% YoY
1.80%
+29.4% YoY
1.23%
+13.4% YoY
55%
Net Interest Margin ? 4.16%
+6.4% YoY +3.3% QoQ
+0.35% 3.82%
+6.9% YoY
3.85%
+3.8% YoY
3.89%
+5.7% YoY
79%
Efficiency Ratio ? 60.62%
-1.4% YoY +1.1% QoQ
-0.44% 61.06%
-4.6% YoY
68.78%
-8.1% YoY
66.95%
-4.1% YoY
48%
Delinquency Rate ? 0.84%
+63.7% YoY +28.0% QoQ
-0.05% 0.89%
+14.1% YoY
1.17%
+69.3% YoY
0.95%
+18.8% YoY
33%
Loan-to-Deposit Ratio ? 87.81%
-3.8% YoY -4.7% QoQ
+3.61% 84.20%
+0.3% YoY
85.13%
+2.0% YoY
76.70%
+0.9% YoY
45%
Non-Interest-Bearing Deposit Share ? 26.92%
-2.7% YoY +3.3% QoQ
+5.63% 21.29%
-2.5% YoY
25.15%
-3.9% YoY
22.01%
-1.2% YoY
76%
Nonperforming Asset Ratio ? 0.63%
+61.9% YoY +21.9% QoQ
-0.04% 0.67%
+15.6% YoY
0.91%
+65.9% YoY
0.67%
+19.3% YoY
34%
Tier 1 Capital Ratio ? 14.54%
-15.6% YoY +5.0% QoQ
-0.62% 15.16%
+2.0% YoY
21.08%
-3.4% YoY
17.06%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.06%
-13.8% YoY -77.8% QoQ
-0.20% 0.26%
+1.6% YoY
0.70%
+11.6% YoY
0.32%
+4.1% YoY
Bottom 14.0% in tier

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk
#87 of 420 • Bottom 20.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (2 metrics)

190
Net Interest Margin
profitability
Value: 4.16%
Peer Median: 3.82%
#190 of 884 Top 21.4% in $1B-$10B
211
Non-Interest-Bearing Deposit Share
funding
Value: 26.92%
Peer Median: 21.29%
#211 of 884 Top 23.8% in $1B-$10B

Top Weaknesses (1 metrics)

761
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.26%
#761 of 884 Bottom 14.0% in $1B-$10B
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