# UNITED BUSINESS BANK
WALNUT CREEK, CA · FDIC certificate 57716 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.56B | |
| Deposits | $2.17B | |
| Loans and leases | $2.08B | |
| Total equity | $326.2M | |
| Loans / deposits | 94.45% (p72 of band) | 87.10% |
| Liquid assets / assets | 14.04% (p19 of band) | |
| Uninsured deposits / deposits | 46.48% (p86 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.59% (p26 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.66% (p72 of band) | 10.50% |
| Unrealized securities loss / equity | -2.47% (p77 of band) | -7.75% |
| AOCI / equity | 0.25% (p89 of band) | |
| ROA (annualized) | 0.12% (p3 of band) | 1.26% |
| Net interest margin | 4.05% (p71 of band) | 3.70% |
| Efficiency ratio | 82.84% (p95 of band) | |
| Noncurrent loans | 0.47% (p47 of band) | 0.51% |
| Net charge-offs (annualized) | 0.22% (p87 of band) | |
| Reserve coverage of noncurrent | 236.67% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 3.11% (p7 of band) | |
| Auto loans | $16,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $30,000 (0% of equity) (p71 of band) | |
| Deposits YoY | -0.7% | |
| Employees | 329 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, losing money, charge-offs p90 |  |
| 2011-06 | 2 |  | brokered >10%, losing money |
| 2011-09 | 2 |  |  |
| 2011-12 | 0 |  | loans exceed deposits, charge-offs p90 |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | loans exceed deposits |  |
| 2012-09 | 0 |  | loans exceed deposits |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | capital falling, charge-offs p90 |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 0 |  | capital falling, charge-offs p90 |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | uninsured deposits >50% |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | uninsured deposits >50% |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | uninsured deposits >50% |  |
| 2018-09 | 3 | capital falling, reserve under noncurrent |  |
| 2018-12 | 0 |  | uninsured deposits >50%, capital falling, reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | uninsured deposits >50% |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | run vulnerability, charge-offs p90 |  |
| 2022-09 | 4 | reserve under noncurrent |  |
| 2022-12 | 2 |  | charge-offs p90, reserve under noncurrent |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2023-06 | 2 | capital falling | deposits shrinking, assets shrinking |
| 2023-09 | 0 |  | uninsured deposits leaving, capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | charge-offs p90 |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | charge-offs p90 |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-13 [BayCom hires 3 PacWest alums in a shift toward dealmaking - Banking Dive](https://news.google.com/rss/articles/CBMikAFBVV95cUxNV2syUzNvN2VsMGstd091ZGZzdDVVX185THI3VmFBUkR6d1RMdEVpMEt3QXNONm5VaEZ0WHY0dlpYWVFnOEN0cE9pbWNiaFc2MGd1SGpiT1o2eDkxV084ZmdFR1FRS3BYOFY5S0laSXBjdmVxTUh0N21sLTJNLXluNlE2NzJIdmZDOUV5ZGQ0ZkY?oc=5) · Banking Dive
- 2026-04-10 [BayCom in California replaces its senior leadership team - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPZTZXUjBMU0VjQWVzQkRpbXNEVDYyQ1hoTVowZ2RJWWFtWmxyT3hKZjdJTHI1b21mMEdSUnNaZmFVR2VYaXJiOWRfNExFMzVUN2tPRXZ3dnY3NXlxcG1kcHg2Q0owM194Wjg1eUh0cWY2bXpaRURrUzR2THJNWGIzaUFvekFQdXRqajBZdjAzYS1zcENVRW5J?oc=5) · American Banker
- 2026-04-13 [East Bay bank announces major C-suite shakeup, replacing co-founders with new CEO and chief financial officer - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNc3c2WDJTNFdDUmFIYzFfblFWa05fZjBzZTBYN3NmSWV1WmM0dzVldUpLU21kdFJCSHg5N3pYT1hHSHRDNFdRWkRJT1lXclJhLW5lTVRvWmVzNW5fa05TdHlYMWVfWTFrTDZTLWNTc0lJNzdNS1VoejE4MDZIS1l4N1Y4ZXJSNEhxMjQ2MHFjeFJHc1lETVI1QnFfc3lhbEtlQ0tSNGhuam1hSUd2YVE?oc=5) · The Business Journals
- 2026-04-22 [BayCom Corp Announces Appointment of New Director - Business Wire](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPSHhub0hON1ltMmxVMjF0Uk8yZ0hzNzNsVkF2QkM5UEtjREhQdEoxYWhhUzFMeVJ0MUtNMm9vRGV5NnBobDh0emZmNFA4cU9pZk1KQV9uUFphdk5uam5yVC1iREl3dHdFWk5QaUUtTVNoekpfM1BpOTVac1V4VUs1SFhqdEJXcjhKN3ZFOXFERFdDYXFldktsSDNFLXh2bWQ5SV9Wb1dWYTA0Zw?oc=5) · Business Wire
- 2026-04-09 [BayCom Corp Announces Executive Leadership Transition and Next-Phase Growth Strategy - Business Wire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQX3JXZnVodGttS09EdFNnSDFlVDkyS3FST1FtMFFrV3BpOUVEeGtXd0RwMWlRRHRobzF5c18xVm03Zmp0YkhOclBKZk5BM3ducVg0UWxDWEFNS0ZSb3ZvR2NtUDdtNHpUMEpMLVFxai1YRlhRUllrQ3d6YVpiUTRQTHBLOFZaVTUwbk9LcjdlV0FLTTJ5dmdXX1M2b3hVX2MzYWlzcEpkaWFoc3A4UnFqeUwzbExhM0NlUWxVU2ZLcGJrM2xiME55a3JiRFM2Q3o3Y0RVMHpGV0s?oc=5) · Business Wire
- 2025-09-30 [Walnut Creek’s financial star rises with Five Star Bank’s new office - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPSldaakJ2cDcwTGNpSUM0aXVzYlI3dDBiemRPMXdCZjRIMXJScEg1OURwNVlIaHl5aC0ybnJTcG9jN1BGQVRGLXZxTjVIMVVsSmZGdVN5bW4tb1VucHR1Ql9CaVRDN01mX0hqSHBiMm9XdFFwR0EtZ0NjZE4xcy0zenE5UzgxdWkzaC1KazM1UFBrU3R3bTNXN2RZejNqbnMyQ0g4OGJYc0YzUWFLX0E?oc=5) · The Business Journals
- 2019-10-21 [Local Bank is swallowed by California Corporation - Wet Mountain Tribune](https://news.google.com/rss/articles/CBMilwFBVV95cUxNRlo4RDJJZnVKNTI0ZGxaZ0RVZ3R4ckhiaU5HTzI5cERPenVTSzY1elVKTktMZlVPTVdhcTJYRXVGZUYtbTR0ZGZwRi1KVk1rUGxuVWw5LWlrb290RjdCRVg1Z3hiY0k1X1A1ejhKQlg4RVJNN1ZYNVhHWWI4MUVCQVNJU1pHdWlKRXUycHROc0t5VnJxOFlR?oc=5) · Wet Mountain Tribune
- 2026-02-19 [BayCom Corp Announces Cash Dividend - Business Wire](https://news.google.com/rss/articles/CBMilwFBVV95cUxQZzVndFNJa0pTSk1sRTZ0UDYxWEdKTlR3VXY2M2EtbS00VWVxYzA3MmduU1ZaUk9EVkY4NWlPWWJkdkFUQ3ZXNXpneGNBejZqYjgxWFpyZkozUWdSeGJwcUVJT1pld2JMamRoNkx2cE1vU3hpbGNFMlNBWC10TXNONGY1dUx5UEZaMG1rTjRVa1JZOGVGeFMw?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57716 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/52.json (key "57716", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide