United Business Bank
FDIC #57716
📍 Walnut Creek, California
United Business Bank is a commercial bank, state charter and fed member, supervised by the federal reserve (frb). established in July 20, 2004. With assets of $2.56 Billion, it operates 34 domestic branches.
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Community Reinvestment Act (CRA) Rating
Latest Exam: June 12, 2023
What is CRA? The Community Reinvestment Act (CRA) is a federal law that encourages banks to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods.
Rating History
June 12, 2023
Satisfactory
September 9, 2019
Satisfactory
April 18, 2016
Satisfactory
💰 Financial Strength
Total Assets$2.56 Billion
Total Deposits$2.16 Billion
Equity Capital$364.55 Million
Net Income$24.78 Million
📈 Performance
ROA1.30%
ROE9.08%
Financial Terms:
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
📋 Corporate Structure
EstablishedJuly 20, 2004
FDIC Cert57716
Holding CoBaycom Corp
Parent CertNA - Not listed as a child of a larger bank.
Last ChangeAugust 31, 2022
Foreign Offices0
SAIF InsuredNo
State CharteredYes
🕰️ Lobby Hours
Monday9:00 AM - 4:00 PM
Tuesday9:00 AM - 4:00 PM
Wednesday9:00 AM - 4:00 PM
Thursday9:00 AM - 4:00 PM
Friday9:00 AM - 4:00 PM
SaturdayClosed
SundayClosed
📜 Institutional History
2022
Relocation
Moved HQ to: 500 Ygnacio Valley Rd, Walnut Creek, CA 94596.
2022
Merger / Acquisition
Acquired: Pacific Enterprise Bank
2020
Merger / Acquisition
Acquired: Grand Mountain Bank, Fsb
2019
Merger / Acquisition
Acquired: First State Bank Of Colorado
2019
Merger / Acquisition
Acquired: Uniti Bank