BlastPoint's Banking Scorecard

United Business Bank

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

Walnut Creek, CA

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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
Deposits -0.7% year over year ($2.2B on the books).
Delinquency rate 0.47%.
Return on assets 0.12%.
Efficiency ratio 82.84% vs a 59.73% peer average.
Loan-to-deposit ratio 94.45% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA

View $1B-$10B leaderboard (CA) →

United Business Bank has 2 strengths but faces 4 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 0.18% above tier average
+ Delinquency Rate 0.39% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 0.1% in tier
- Liquidity Strain: Bottom 22.7% in tier
- Deposit Outflow: Bottom 29.0% in tier
- Return on Assets 1.27% below tier average

Get updates when United Business Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$2.6B -1.6% YoY -2.6% QoQ	-$228.6M	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	62%
Total Loans ?	$2.1B +3.6% YoY +3.1% QoQ	+$89.1M	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	68%
Total Deposits ?	$2.2B -0.7% YoY -4.1% QoQ	-$145.9M	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	63%
Return on Assets ?	0.12% -88.8% YoY -90.8% QoQ	-1.27%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Bottom 2.1% in tier
Net Interest Margin ?	4.05% +2.9% YoY -2.8% QoQ	+0.18%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	71%
Efficiency Ratio ?	82.84% +36.0% YoY +36.7% QoQ	+23.12%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Bottom 5.1% in tier
Delinquency Rate ?	0.47% -42.5% YoY -43.4% QoQ	-0.39%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	54%
Loan-to-Deposit Ratio ?	94.45% +4.3% YoY +7.6% QoQ	+9.41%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	28%
Non-Interest-Bearing Deposit Share ?	26.56% -5.7% YoY -1.3% QoQ	+5.29%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	76%
Nonperforming Asset Ratio ?	0.38% -39.5% YoY -40.1% QoQ	-0.30%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	54%
Tier 1 Capital Ratio ?	13.76% -20.7% YoY -5.3% QoQ	-1.08%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.12% -7.1% YoY +99.5% QoQ	-0.41%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 13.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	26.6% -1.6pp YoY -0.4pp QoQ	+5.2pp	21.4%	25.5%	22.2%	76%
Brokered Deposits	n/a	n/a	9.5%	11.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	7.6% -1.4pp YoY -0.8pp QoQ	-6.4pp	14.0%	11.8%	12.5%	31%
CRE	84.9% -1.2pp YoY -1.8pp QoQ	+34.9pp	50.0%	67.5%	41.4%	98%
1-4 Family	8.3% +2.9pp YoY +2.7pp QoQ	-18.2pp	26.4%	16.5%	31.3%	12%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	5.3%	5.0%	9%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	13.8% -3.6pp YoY -0.8pp QoQ	-1.8pp	15.6%	23.7%	19.7%	55%
Leverage Ratio	11.7% -2.4pp YoY 0.0pp QoQ	+0.3pp	11.3%	14.5%	12.6%	72%
Total Capital Ratio	14.9% -3.4pp YoY -0.7pp QoQ	-1.8pp	16.7%	25.1%	20.8%	54%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	329 -2 (-0.6%) YoY +2 (+0.6%) QoQ	+15	313	337	482	70%
Assets per Employee ($)	$7.8M -1.0% YoY -3.2% QoQ	-$2.7M	$10.5M	$11.3M	$8.8M	36%
Branch Count	34 0 YoY 0 QoQ	+14	20	15	18	85%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY	-0.1pp	0.2%	0.3%	0.4%	53%
Nonaccrual	0.4% -0.2pp YoY -0.4pp QoQ	-0.4pp	0.8%	1.4%	1.0%	43%
Allowance Coverage	2.37x +106.1% YoY +91.0% QoQ	-16.34x	18.71x	17.11x	20.23x	55%
Net Charge-off Rate (YTD)	0.3% +0.3pp YoY +0.3pp QoQ	0.0pp	0.3%	0.3%	0.2%	85%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	0.9% -6.2pp YoY -9.2pp QoQ	-11.7pp	12.6%	8.2%	11.6%	2%
Cost of Funds (YTD)	1.4% 0.0pp YoY 0.0pp QoQ	-0.5pp	1.9%	1.9%	1.7%	19%
Net Income ($, YTD)	$1.5M -88.8% YoY — QoQ	-$17.7M	$19.2M	$28.5M	$40.4M	3%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (3)

Efficiency Drag

risk

#1 of 60 • Bottom 0.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 82.84%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ

Liquidity Strain

risk

#83 of 361 • Bottom 22.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.45%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

Deposit Outflow

decline

#39 of 131 • Bottom 29.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

214

Non-Interest-Bearing Deposit Share

funding

Value: 26.56%

Peer Median: 21.27%

#214 of 885 Top 24.1% in $1B-$10B

Top Weaknesses (3 metrics)

867

Return on Assets

profitability

Value: 0.12%

Peer Median: 1.39%

#867 of 885 Bottom 2.1% in $1B-$10B

841

Efficiency Ratio

profitability

Value: 82.84%

Peer Median: 59.73%

#841 of 885 Bottom 5.1% in $1B-$10B

770

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.53%

#770 of 885 Bottom 13.1% in $1B-$10B