United Business Bank
Walnut Creek, CA · Cert 57716 · Peer group: banks $1B-$10B in assets (n=322-328) · Baycom Corp.
State charter, Fed member · FED · 34 branches
Q2 2026
$2.6BAssets
$2.1BLoans
$2.2BDeposits
$326.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 81% of banks $1B-$10B in assets (rank 61 of 328).
- Widest gap: return on equity trails 98% of banks $1B-$10B in assets (rank 321 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.12%
Rank 321 of 328
Net Interest Margin
3.93%
Rank 66 of 328
Efficiency Ratio
83.28%
Rank 317 of 328
Equity / Assets
12.72%
Rank 61 of 328
Non-interest income vs. expense
Unfavorable gap of $80.5M · efficiency ratio beats 4% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.12% | 0.91% | 1.22% | 1.52% | Beats 2% | 321 / 328 | |
| Return on Equity | 0.94% | 8.43% | 11.45% | 14.43% | Beats 2% | 321 / 328 | |
| Net Interest Margin | 3.93% | 3.03% | 3.45% | 3.83% | Beats 80% | 66 / 328 | |
| Efficiency Ratio | 83.28% | 51.61% | 59.56% | 67.53% | Beats 4% | 317 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.24% | 0.51% | 1.03% | Beats 55% | 147 / 322 | |
| Net Charge-Offs / Loans | 0.14% | 0.01% | 0.03% | 0.10% | Beats 21% | 256 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 13.76% | 11.75% | 13.15% | 15.47% | Beats 59% | 133 / 328 | |
| Total Risk-Based Capital Ratio | 14.87% | 12.63% | 14.15% | 16.46% | Beats 60% | 131 / 328 | |
| Equity / Assets | 12.72% | 9.15% | 10.33% | 12.01% | Beats 81% | 61 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 95.50% | 76.63% | 87.92% | 95.36% | 76th pctl | 79 / 323 | |
| Loans / Assets | 80.92% | 65.18% | 74.15% | 79.98% | 78th pctl | 72 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |