United Business Bank

Walnut Creek, California, Contra Costa County

$2.6B in total assets, the 506th largest of 4,309 US banks and 40th of 120 headquartered in California.

FDIC certificate: 57716
Established: 2004
Owned by: Baycom Corp
Primary regulator: FED
Website: http://www.unitedbusinessbank.com

At a glance

Compared with 51 banks headquartered in California with $1 billion to $10 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$2.6B	43%	$2.9B
Loans	$2.1B	51%	$1.8B
Deposits	$2.2B	47%	$2.4B
Return on assets	0.57%	8%	1.22%
Net interest margin	4.05%	67%	3.80%
Efficiency ratio	82.8%	98%	53.5%
Equity to assets	12.72%	67%	11.31%
Loans to deposits	96%	78%	89%

Growth

Total assets grew 2.1% a year over the last 5 years and 14.9% a year over 10 years, including 7 acquisitions in the last 10 years.

Acquisitions

Closed	Acquired bank	Assets at acquisition
Feb 2022	Pacific Enterprise Bank Irvine, CA	$518M
Feb 2020	Grand Mountain Bank, FSB Granby, CO	$132M
Oct 2019	First State Bank of Colorado Hotchkiss, CO	$237M
May 2019	Uniti Bank Buena Park, CA	$329M
Dec 2018	My Bank Belen, NM	$157M
Nov 2017	Plaza Bank Seattle, WA	$74M
Apr 2017	UNITED BUSINESS BANK, F.S.B. Oakland, CA	$463M
Feb 2015	Valley Community Bank Pleasanton, CA	$126M
Apr 2014	Community Bank of San Joaquin Stockton, CA	$124M
Oct 2011	Global Trust Bank Mountain View, CA	$87M

Where they operate

34 branches in 18 counties.

Largest markets by deposits

County	Deposits	Market share	Rank
Alameda County, CA	$420M	0.6%	16 of 37
Santa Clara County, CA	$214M	0.1%	27 of 42
Los Angeles County, CA	$211M	0.0%	74 of 91
San Francisco County, CA	$191M	0.1%	27 of 46
Orange County, CA	$172M	0.1%	50 of 73
King County, WA	$143M	0.1%	26 of 38

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Branch history since 2016

Net gain of 24 branches since 2016 (10 to 34, +240.0%). 2 opened, 29 acquired, 7 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				10
2017	Acquired UNITED BUSINESS BANK, F.S.B. and Plaza Bank	9	0	+9	19
2018	Acquired My BankClosed Oakland and San Jose	5	2	+3	22
2019	Acquired First State Bank of Colorado and Uniti Bank	10	0	+10	32
2020	Acquired Grand Mountain Bank, FSBClosed Albuquerque and Glendale	4	2	+2	34
2021	Closed Napa	0	1	−1	33
2022	Acquired Pacific Enterprise Bank	1	0	+1	34
2023	Opened Las Vegas	1	0	+1	35
2024	Closed Seattle	0	1	−1	34
2026 through Q2	Opened San FranciscoClosed San Francisco	1	1	0	34

Balance sheet and earnings

Loans by type

Type	This bank	Peers
Commercial real estate	67%	47%
Multifamily	17%	13%
1-4 family residential	8%	14%
Business (C&I)	7%	15%
Construction and land	0%	3%
Farmland	0%	2%
Consumer	0%	2%
Other	0%	2%

Deposits by type

Type	This bank	Peers
Other interest-bearing	52%	48%
Noninterest-bearing	27%	29%
Time deposits	21%	23%

Brokered deposits are 0.0% of deposits (peers 4.6%).

Return on assets

Trailing four quarters, with the peer median.

Credit and capital

	This bank	Peer median
Noncurrent loans	0.42%	0.48%
Net charge-offs, annualized	0.28%	0.05%
Reserves to loans	1.11%	1.28%
Leverage ratio	11.66%	11.65%

Noncurrent loans exclude government-guaranteed portions.

Similar size in California

Largest competitors in Alameda County, CA

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/united-business