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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 - May 25, 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 September 30, 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 September 30, 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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