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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

United Business Bank

Walnut Creek, California · $2.56B in assets · beside the 11 other California banks between $1B and $3B

The filing

60.9%
CRE / loans
12th of 12
0.12%
ROA
12th of 12
83.3%
Efficiency
12th of 12

United Business Bank is the fifth largest of the 12 California banks nearest its size between $1B and $3B, with $2.56B in assets at 30 June 2026. Loans are 95.5% of deposits, 10th of 12 against a median of 89.7%, and equity is 12.7% of assets, 4th of 12. Loans grew +3.7% in the year, 9th of 12, and deposits fell 0.7%; the cohort's median loan growth is +6.3%.

Noncurrent loans are 0.47% of the book, 5th of 12 against a median of 0.58%; 0.11% is 30 to 89 days past due, and the allowance covers them 2.4 times. Net charge-offs are 0.28% of loans, 7th of 12. Commercial real estate is 60.9% of loans, the highest in the cohort against a median of 41.4%, and 402% of capital, above the 300% screen, with construction at 3% against the 100% screen.

Return on assets is 0.12%, the lowest in the cohort against a median of 1.15%, on an efficiency ratio of 83.3%, the highest in the cohort. Five years ago it was 0.98%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 23.1% of loans).

Commercial real estate, share of loansCA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 41.4% ED El Dorado Savings Bank FSB 0.1% OB Open Bank 33.8% CB Calprivate Bank 39.3% A Avidbank 39.4% PB Plumas Bank 40.4% MB Montecito Bank & Trust 41.0% MB Mission Bank 41.7% BS Beneficial State Bank 42.8% CB Commonwealth Business Bank 49.4% WC West Coast Community Bank 59.5% OV Oak Valley Community Bank 60.0% UB United Business Bank 60.9%
Loans, year over yearCA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +6.3% PB Plumas Bank +48.5% A Avidbank +16.3% BS Beneficial State Bank +15.7% MB Mission Bank +12.9% OB Open Bank +9.0% WC West Coast Community Bank +7.7% OV Oak Valley Community Bank +5.0% CB Commonwealth Business Bank +4.2% UB United Business Bank +3.7% MB Montecito Bank & Trust +3.7% CB Calprivate Bank +2.0% ED El Dorado Savings Bank FSB -5.8%

SBA 7(a), FY2008 to FY2026

United Business Bank is the 12th largest 7(a) lender into California of 512, with $1.33B across 1,416 loans, 2.0% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 105 of its 125 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$453M13th of 3082.2%-1.3 pts
Orange, CA$201M9th of 2562.7%-1.0 pts
San Bernardino, CA$79M14th of 2132.2%-1.2 pts
Riverside, CA$73M12th of 2192.1%-2.1 pts
Alameda, CA$61M11th of 1792.6%-1.1 pts
Santa Clara, CA$54M9th of 1872.0%-2.3 pts
San Diego, CA$49M26th of 2380.9%-0.6 pts
King, WA$32M35th of 1930.7%thin
Kern, CA$31M9th of 1293.4%quiet FY2021
San Joaquin, CA$30M8th of 1303.1%-0.7 pts
Sacramento, CA$26M21st of 1701.2%-0.1 pts
Contra Costa, CA$24M12th of 1541.8%-0.9 pts
Fresno, CA$24M13th of 1382.0%-0.2 pts
112 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services431$424M27.7%0.55%46th of 2,596
Retail trade373$363M23.7%0.60%36th of 2,589
Other services187$180M11.8%0.51%43rd of 2,248
Manufacturing126$114M7.4%0.29%62nd of 2,246
Health care & social assistance92$88M5.8%0.19%84th of 2,172
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and United Business Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans UB United Business Bank 2.0% $1.33B · 1,416 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
United Business BankRankCohort median
Total CRE against capital, the 300% screen402%12th of 12261%
Construction against capital, the 100% screen3%3rd of 1214%
Construction and land development, share of loans0.5%3rd of 122.3%
Non-owner-occupied nonfarm nonresidential, share of loans43.7%11th of 1228.5%
Total CRE, the guidance definition, share of loans60.9%12th of 1241.4%
CRE growth over 36 months, the third prong+28.8%6th of 12+29.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
West Coast Community Bank$2.94B2.0%42.1%0.50%0.38%1.5%90.0%13.5%
Open Bank$2.75B1.2%55.8%2.09%0.01%1.2%96.2%9.6%
Calprivate Bank$2.71B2.0%44.4%1.26%0.08%1.4%89.4%11.1%
Avidbank$2.65B1.4%51.6%0.65%0.42%1.0%95.7%11.6%
United Business Bank$2.56B0.1%83.3%0.47%0.28%1.1%95.5%12.7%
El Dorado Savings Bank FSB$2.44B0.9%58.7%0.28%0.01%1.2%23.6%13.8%
Plumas Bank$2.28B1.8%51.3%1.55%0.06%1.3%80.1%12.4%
Beneficial State Bank$2.03B0.1%76.1%2.53%0.73%1.8%90.9%9.3%
Montecito Bank & Trust$2.02B0.6%81.2%0.17%0.02%1.0%80.2%9.3%
Mission Bank$2.01B1.6%45.1%0.02%0.32%1.4%86.6%11.4%
Oak Valley Community Bank$2.00B1.1%64.0%0.00%0.30%1.0%66.0%10.8%
Commonwealth Business Bank$1.97B1.1%56.7%1.88%0.00%1.1%91.6%14.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
United Business BankCohort median
20212026Change20212026Change
Loans$1.60B$2.08B+30%$1.10B$1.54B+40%
Deposits$2.00B$2.17B+9%$1.43B$1.99B+39%
NPA / loans0.55%0.47%-0.08 pts0.22%0.58%+0.35 pts
Efficiency64.5%83.3%+18.8 pts55.2%56.2%+1.0 pts
ROA0.98%0.12%-0.86 pts1.11%1.15%+0.05 pts

This read was prepared for United Business Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on United Business Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $1B to $3B
Institution www.unitedbusinessbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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