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United Business Bank

United Business Bank is an FDIC insured institution headquartered at 500 Ygnacio Valley Rd, Walnut Creek, CA 94596.
It was founded in 2004 and has approximately $3 billion in assets. Customers can open an account at one of its 21 branches.

Deposit Rates - August 24, 2026

SAVINGS RATES	APY	MIN
Savings	0.05%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.25%	$10,000	Compare
6 Mo CD	0.35%	$100,000	Compare
12 Mo CD	0.25%	$10,000	Compare
12 Mo CD	0.35%	$100,000	Compare
24 Mo CD	0.40%	$10,000	Compare
36 Mo CD	0.55%	$10,000	Compare
48 Mo CD	0.75%	$10,000	Compare
60 Mo CD	1.01%	$10,000	Compare

MM RATES	APY	MIN
Money Market	0.05%	$2,500	Compare
Money Market	0.05%	$10,000	Compare
Money Market	0.10%	$25,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.02%	$2,500

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 57716
Date Established	2004
Assets	$ 2.58 billion
Loans	$ 2.05 billion
Deposits	$ 2.22 billion
Capital	$ 326.55 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 206.42 million
Interest-bearing balances	$ 179.63 million
Total securities	$ 179.71 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 2.05 billion
Loan loss allowance	$ 21.21 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 40.97 million
All other assets	$ 77.42 million
Total Assets	$ 2.25 billion

LIABILITIES
Total deposits	$ 2.22 billion
Interest-bearing deposits	$ 1,642.42 million
Deposits held in domestic offices	$ 2.22 billion
% insured (estimated)"	53.62%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 12.76 million
Subordinated debt	N.A.
All other liabilities	$ 16.08 millionn
Total Liabilities	$ 2.25 billion
Shareholders’ Equity	$ 326.55 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 134.53 million
Total Interest Expense	$ 36.98 million
Net interest income	$ 97.55 million
Provision for loan and lease losses	$ 4.07 million
Total non interest income	$ 7.04 million
Total non interest expense	$ 63.69 million
Pre-tax Net Operating Income	$ 17.58 million

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Branches

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