| Metric | United Business Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +5.5% | -7.0 pts |
| Deposit growth (YoY) | -0.7% | +5.1% | -5.7 pts |
| Loan growth (YoY) | +3.6% | +5.9% | -2.4 pts |
| ROA | 0.12% | 1.26% | -1.1 pts |
| ROE | 0.9% | 12.2% | -11.2 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.56B | $2.17B | $2.05B | $326.2M | $1.5M | 0.12% | 4.05% | 0.38% |
| Q1 2026 | $2.63B | $2.27B | $1.99B | $335.5M | $8.4M | 1.29% | 4.16% | 0.63% |
| Q4 2025 | $2.58B | $2.22B | $2.05B | $326.6M | $27.0M | 1.04% | 4.03% | 0.52% |
| Q3 2025 | $2.59B | $2.24B | $2.02B | $317.6M | $19.5M | 1.00% | 3.99% | 0.53% |
| Q2 2025 | $2.61B | $2.19B | $1.98B | $389.1M | $13.7M | 1.05% | 3.93% | 0.63% |
| Q1 2025 | $2.55B | $2.14B | $1.95B | $381.1M | $6.6M | 1.01% | 3.91% | 0.39% |
| Q4 2024 | $2.65B | $2.24B | $1.94B | $372.3M | $26.3M | 1.02% | 3.95% | 0.36% |
| Q3 2024 | $2.54B | $2.15B | $1.90B | $366.1M | $18.4M | 0.96% | 3.94% | 0.38% |
Loan mix (Q2 2026): real estate $1.92B · commercial $155.3M · consumer $1.2M · securities $182.7M
| Ratio | United Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 1.26% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 12.2% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 59.0% | 95th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | United Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | United Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | United Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | United Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | United Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
34 branches in 18 counties across 5 states (-1 vs 2024) · $2.19B branch deposits. Biggest market: Alameda, CA, ranked 19th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Alameda, CA | 4 | $413.9M | 0.56% | 19th |
| Los Angeles, CA | 2 | $254.2M | 0.05% | 110th |
| Santa Clara, CA | 2 | $230.2M | 0.13% | 37th |
| 15 more counties with Pro → | ||||
California: 102nd with 0.07% · Colorado: 70th with 0.16% · New Mexico: 51st with 0.35% · Washington: 87th with 0.05% · Nevada: 68th with 0.01% · San Francisco-Oakland-Fremont metro: 40th, 0.14% · Los Angeles-Long Beach-Anaheim metro: 100th, 0.06% ·
Branch count: 2022 34 · 2023 34 · 2024 35 · 2025 34