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Letter portraitLegal landscapeQuarterYTD

United Business Bank

Walnut Creek, CA · Cert 57716 · Baycom Corp.

State charter, Fed member · FED · 34 branches

Q2 2026

$2.6BAssets
$2.1BLoans
$2.2BDeposits
$326.2MEquity
Loan mix
92%RE $1.8B8%C&I $0.2B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $1.6B27%Noninterest $0.6BQ3 2024Q2 2026

Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.1% share · #32 of 69 inst. · $0.7B of $513.2B

0.6% Alameda
0.1% Santa Clara
0.1% Los Angeles
0.1% San Francisco

Executive Summary

  • Earnings: ROA of 0.12%, down 93 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.47% of loans (-35 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 11.66%, down 237 bps from a year ago.
  • Funding: loans stand at 95.50% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.12%-93 bps YoY

Net Interest Margin (YTD, annualized)

3.93%+18 bps YoY

Efficiency Ratio (YTD, annualized)

82.84%+2,192 bps YoY

Tier 1 Leverage Ratio

11.66%-237 bps YoY

NIM

4.98%Q2 ’245.07%Q2 ’255.23%Q2 ’26+1%+5%

Non-interest income vs. expense

2.50%Q2 ’242.45%Q2 ’253.42%Q2 ’26-2%+45%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.02%1.01%1.05%1.00%1.04%1.29%0.12%-93 bps
Return on Equity6.72%7.17%6.99%7.18%7.13%7.54%10.12%0.93%-625 bps
Net Interest Margin3.71%3.70%3.78%3.75%3.71%3.83%3.95%3.93%+18 bps
Efficiency Ratio62.76%62.20%61.49%60.92%60.09%59.99%60.62%82.84%+2,192 bps
Non-Interest Burden2.24%2.22%2.22%2.18%2.13%2.19%2.28%3.18%+99 bps
Growth
Asset Growth (YoY)-0.61%4.35%0.15%1.13%1.68%-2.62%3.34%-1.58%-271 bps
Loan Growth (YoY)-2.83%1.42%4.16%7.30%6.71%5.76%2.26%3.75%-355 bps
Deposit Growth (YoY)-0.64%4.54%-0.61%0.57%4.27%-0.98%6.18%-0.66%-123 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.48%0.51%0.81%0.68%0.65%0.83%0.47%-35 bps
Net Charge-Offs / Loans0.35%0.26%0.02%0.01%0.06%0.05%0.00%0.28%+26 bps
Allowance / Loans0.96%0.92%0.94%0.93%1.02%1.03%1.02%1.11%+17 bps
Allowance Coverage of NPLs1.9x1.9x1.9x1.1x1.5x1.6x1.2x2.4x+1.2x
Capital
Tier 1 Leverage Ratio13.23%13.42%13.92%14.03%10.88%11.45%11.70%11.66%-237 bps
Total Risk-Based Capital17.76%17.86%18.17%18.28%14.56%14.87%15.55%14.87%-342 bps
Equity / Assets14.39%14.07%14.96%14.93%12.28%12.67%12.74%12.72%-221 bps
Liquidity & Funding
Loans / Deposits89.15%87.16%92.13%91.44%91.24%93.09%88.72%95.50%+406 bps
Liquid Assets / Assets10.84%12.87%9.23%10.35%7.98%6.97%10.92%6.06%-429 bps
CRE / Total Capitaln/an/an/an/a614%607%575%n/an/a