United Business Bank
United Business Bank reported total assets of $2.6 bn at Q2 2026, down 1.6% on a year earlier, the 488th largest of 497 banks in our US coverage. The CET1 capital ratio at United Business Bank was 13.76%, and the uninsured share of United Business Bank was 46.48%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, United Business Bank climbed from 361st to 181st among 500 US banks between and (1 = lowest; FDIC Call Reports).
- United Business Bank reports one of the lowest return on equity (ROE) readings among banks of $1 bn to $10 bn: 0.93% at , where the median of the 339 banks is 12.68% (FDIC Call Reports).
- The return on assets (ROA) of United Business Bank, 0.12% at , places United Business Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 1.32%; FDIC Call Reports).
What sets United Business Bank apart
- Few banks of $1 bn to $10 bn report a higher efficiency ratio than United Business Bank, at 82.84% in against a group median of 56.87%.
- Over the year to , the bank equity capital of United Business Bank fell by 16.2% to $326.2 mn, one of the largest falls among covered banks.
- Since , United Business Bank has taken over 7 institutions; the latest was Pacific Enterprise Bank on .
How large is United Business Bank?
The balance sheet of United Business Bank at : assets $2.6 bn, deposits $2.2 bn, net loans $2.1 bn (loans equal to 94.45% of deposits). Securities make up 7.1% of total assets at United Business Bank. Since , when United Business Bank held $633.0 mn, its assets grew 305.2%. In the year to , deposits at United Business Bank fell 0.7% while its total assets fell 1.6%. At , United Business Bank employed 329 full-time equivalent staff across 34 offices, about $7.8 mn of assets per employee and $63.9 mn of deposits per office.
How much funding at United Business Bank is uninsured?
At United Business Bank, uninsured deposits (above the FDIC limit) made up 46.48% of domestic deposits at (-0.50 pp on a year earlier); United Business Bank ranks 116th of 500 on this measure. In dollars, United Business Bank estimated $1.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.2 bn | -0.7% | 480th of 499 |
| Net loans and leases | $2.1 bn | +3.6% | 434th of 500 |
| Loan-to-deposit ratio | 94.45% | +3.86 pp | 123rd of 500 |
| Tier 1 leverage ratio | 11.66% | -2.37 pp | 112th of 500 |
| Total risk-based capital ratio | 14.87% | -3.42 pp | 180th of 448 |
| Net interest margin | 4.05% | +0.11 pp | 128th of 500 |
| Return on assets (ROA) | 0.12% | -0.93 pp | 492nd of 500 |
| Efficiency ratio | 82.84% | +21.92 pp | 481st of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $8.1 mn | Narrowed by $6.1 mn | |
| Noncurrent loans to total loans | 0.47% | -0.35 pp | 181st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.28% | +0.27 pp | 392nd of 500 (1 = lowest) |
US rank of United Business Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
United Business Bank: assets, deposits and loans
- Total assets $2.6bn
- Deposits $2.2bn
- Net loans $2.1bn
Capital and securities
The CET1 ratio of United Business Bank stood at 13.76% in , -3.59 pp year on year. Low and high at United Business Bank since : 11.75% () to 17.47% (). Equity capital of United Business Bank at : $326.2 mn, or 12.7% of total assets. United Business Bank also reported a total capital ratio of 14.87% for , and a tier 1 leverage ratio of 11.66%.
The available-for-sale portfolio of United Business Bank showed an unrealized loss of $8.1 mn at ; the loss narrowed by $6.1 mn over the year.
United Business Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 12%
United Business Bank: unrealized securities gains and losses
- Available for sale -$8mn
- Held to maturity $0
Profitability and loan quality
For the year to , United Business Bank earned a return on equity of 0.93%; return on assets: 0.12%. Net interest margin at United Business Bank: 4.05%, +0.11 pp in a year. United Business Bank net income: $1.5 mn, down 88.8% year on year. The efficiency ratio of United Business Bank was 82.84%: about 83 cents cost per revenue dollar, against 55 cents at the median peer.
At , noncurrent loans were 0.47% of total loans at United Business Bank; net charge-offs: 0.28% of average loans. Gross loans and leases at United Business Bank: $2.1 bn, up 3.7% in a year.
United Business Bank: profitability
- Return on equity 0.9%
- Net interest margin 4.0%
- Return on assets 0.1%
Peer group of United Business Bank
The peer group of United Business Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of United Business Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, United Business Bank shows CET1 ratio 13.76% against a peer median of 12.71%, return on equity 0.93% against a peer median of 13.69% and uninsured deposit share 46.48% against a peer median of 35.77%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First National Bank | National bank | AR | $2.6 bn | 13.42% | 10.46% | 37.85% | |
| Extraco Banks | National bank | TX | $2.6 bn | 15.88% | 9.27% | 19.17% | |
| Cornerstone Bank | State member bank | MA | $2.6 bn | 11.84% | 6.96% | 27.38% | |
| United Business Bank | State member bank | CA | $2.6 bn | 13.76% | 0.93% | 46.48% | |
| Schaumburg Bank & Trust Company | National bank | IL | $2.6 bn | 11.07% | 17.97% | 33.69% | |
| Horizon Bank, SSB | State-chartered stock savings bank | TX | $2.6 bn | 11.99% | 20.71% | 50.64% | |
| Community National Bank | National bank | TX | $2.5 bn | 17.14% | 16.91% | 48.60% | |
. FDIC Call Reports.
Last eight quarters
Two years at United Business Bank, to : assets +0.8%, deposits +1.2%, equity -10.9%. Staff 336 to 329; offices 35 to 34.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.5 bn | $2.6 bn | $2.5 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.6 bn |
| Total deposits | $2.1 bn | $2.2 bn | $2.1 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.3 bn | $2.2 bn |
| Bank equity capital | $366.1 mn | $372.3 mn | $381.1 mn | $389.1 mn | $317.6 mn | $326.6 mn | $335.5 mn | $326.2 mn |
| CET1 ratio | 16.81% | 16.94% | 17.23% | 17.35% | 13.54% | 13.84% | 14.54% | 13.76% |
| Return on equity (ROE) | 6.72% | 7.17% | 6.99% | 7.18% | 7.13% | 7.54% | 10.12% | 0.93% |
| Uninsured share of domestic deposits | 46.34% | 46.59% | 46.35% | 46.99% | 47.24% | 46.42% | 46.25% | 46.48% |
| Full-time equivalent employees | 336 | 324 | 320 | 331 | 334 | 327 | 327 | 329 |
| Number of offices | 35 | 34 | 34 | 34 | 34 | 34 | 34 | 34 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of United Business Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed UNITED BUSINESS BANK, F.S.B. (FDIC certificate 33114).
- . Absorbed Plaza Bank (FDIC certificate 58305).
- . Absorbed My Bank (FDIC certificate 33616).
- . Absorbed Uniti Bank (FDIC certificate 57120).
- . Absorbed First State Bank of Colorado (FDIC certificate 12373).
- . Absorbed Grand Mountain Bank, FSB (FDIC certificate 57531).
- . Absorbed Pacific Enterprise Bank (FDIC certificate 58415).
Large one-quarter moves at United Business Bank
- Total assets at United Business Bank changed by +65.7% in the quarter to 2017-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from UNITED BUSINESS BANK, F.S.B..
Questions and identifiers
What were the total assets of United Business Bank?
United Business Bank reported $2.6 bn at in its Call Report. That makes United Business Bank the 488th largest of 497 banks in our US coverage.
Is United Business Bank the same as its holding company?
No. This page covers United Business Bank, FDIC certificate 57716; BayCom Corp, its holding company, reports separately to the Federal Reserve.
Is United Business Bank profitable?
United Business Bank reported net income of $1.5 mn for the year to ; annualized return on equity: 0.93%. So yes: United Business Bank made a profit over these months.
When is data for United Business Bank next updated?
Figures from United Business Bank for are due after .
Where can I check the figures for United Business Bank?
In the FDIC BankFind Suite record for certificate 57716, and in the Call Reports of United Business Bank (RSSD ID 3281510) at the FFIEC Central Data Repository.