United Business Bank
Walnut Creek, CA
IDRSSD: 3281510
Total Assets
$2.59B
Latest filing
Total Deposits
$2.24B
Latest filing
Net Interest Margin
4.10%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
United Business Bank
500 Ygnacio Valley Rd
Walnut Creek, CA 94596
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/20/2004FDIC Certificate 422931
Branches (33)
Page 1 of 5| Name | Address | City / State |
|---|---|---|
| United Business Bank (Main) | 500 Ygnacio Valley Rd | Walnut Creek, CA |
| FOUNTAIN BRANCH | 410 S Santa Fe Ave | Fountain, CO |
| PAONIA BRANCH | 128 Grand Ave | Paonia, CO |
| WESTCLIFFE BRANCH | 102 S Adams Blvd | Westcliffe, CO |
| CRAWFORD BRANCH | 392 Highway 92 | Crawford, CO |
| CASTRO VALLEY BRANCH | 3895 E Castro Valley Blvd | Castro Valley, CA |
| 2199 MAIN STREET | 2199 Main St Se | Los Lunas, NM |
| 307 WEST BROADWAY STREET BRANCH | 307 W Broadway | Mountainair, NM |
Showing 7 of 33
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 07/20/2004 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 94596 |
| State and County Number | 06013 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | San Francisco-Oakland-Berkeley, CA |
Operational Info
| Number of Employees | 331 |
| Domestic Offices | 34 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/20/2004 |
| Primary Insurance Agency | DIF |
| Website | http://www.unitedbusinessbank.com |
| Data Updated | 11/14/2025 |
| CERT | 57716 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.59B |
| Total Deposits | $2.24B |
| Total Liabilities | $2.27B |
| Total Equity Capital | $317.63M |
| Net Income | $5.86M |
| Net Loans and Leases | $2.02B |
| Assets Per Employee ($Millions) | $7.74M |
| Bank Premises and Fixed Assets | $27.05M |
| Cash and Balances due from Depository Institutions | $228.21M |
| Deposits Held in Domestic Offices | $2.24B |
Key Performance Ratios
| Return on Assets (ROA) | 0.9% |
| Return on Equity (ROE) | 6.63% |
| Net Interest Margin | 4.1% |
| Efficiency Ratio | 58.49% |
| Tier 1 Risk-Based Capital Ratio | 13.545% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.46% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.281% |
| Earning Assets to total Assets | 93.42% |
Income and Expense
| Total Interest Income | $34.73M |
| Total Noninterest Income | $1.90M |
| Total Interest Expense | $9.86M |
| Total Noninterest Expense | $15.91M |
| Net Interest Income | $24.88M |
| Pre-tax Net Operating Income | $7.90M |
| Provision for Credit Losses | $2.97M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $14.49M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $15.39M |
| Total Liabilities and Capital | $2.59B |
Securities
| Securities | $187.77M |
| Available-for-sale debt securities | $187.77M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Business Bank?
$2.59B as of the latest filing.
How much are United Business Bank's total deposits?
$2.24B in total deposits.
Where is United Business Bank located?
Walnut Creek, CA.
What is the Net Interest Margin?
4.10%.
How many domestic offices does it operate?
34.
When was it established?
07/20/2004.
What is the Return on Assets (ROA)?
0.9%.
How much are total loans and leases?
$2.02B (latest filing).
What is the total interest income (latest filing)?
$34.73M.