BlastPoint's Banking Scorecard
United Business Bank
Community
Specialty: Commercial
CA
FDIC cert 57716
Walnut Creek, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
United Business Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 6% in Community
- - Liquidity Strain: Bottom 24% in Community
- - Credit Risk Growth: Bottom 28% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
-2.6% YoY
-0.4% QoQ
|
+$1.2B |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$2.0B
+5.6% YoY
+1.2% QoQ
|
+$1.1B |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$2.2B
-1.0% YoY
-0.8% QoQ
|
+$1.1B |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
1.04%
+1.5% YoY
+3.7% QoQ
|
-0.12% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
4.03%
+1.9% YoY
+0.9% QoQ
|
+0.37% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
59.99%
-3.6% YoY
-0.2% QoQ
|
-2.64% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.65%
+33.8% YoY
-4.4% QoQ
|
+0.02% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
92.14%
+6.7% YoY
+2.0% QoQ
|
+9.07% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
26.05%
-15.2% YoY
-5.8% QoQ
|
+5.01% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.52%
+45.1% YoY
-2.9% QoQ
|
+0.02% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
13.84%
-18.3% YoY
+2.2% QoQ
|
+3.60% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.27%
+15.6% YoY
+33.3% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Deposit Outflow
decline
#15 of 248 · Bottom 6% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Liquidity Strain
risk
#122 of 513 · Bottom 24% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.14%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Credit Risk Growth
risk
#181 of 642 · Bottom 28% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 26.05% · Tier avg: 21.05%
72
72th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.66%
70
70th pctile
Loan-to-Deposit Ratio
Current: 92.14% · Tier avg: 83.06%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.84% · Tier avg: 10.24%
57
57th pctile
Efficiency Ratio
Current: 59.99% · Tier avg: 62.63%
43
43th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
38
38th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.63%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
Top Weaknesses
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
38
38th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.63%
43
43th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
57
57th pctile
Efficiency Ratio
Current: 59.99% · Tier avg: 62.63%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.84% · Tier avg: 10.24%
70
70th pctile
Loan-to-Deposit Ratio
Current: 92.14% · Tier avg: 83.06%
72
72th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.66%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 26.05% · Tier avg: 21.05%
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
90
90th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M