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United Business Bank
Walnut Creek, CA·FDIC Cert #57716·Charter: STATE·Est. 20040720.0·HC: BAYCOM CORP
Total Assets
$2.6B
Q4 2025
Return on Assets
1.04%
+0.04%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
59.99%
Peer avg: 58.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.04%+0.04
ROE
7.54%+0.41
Efficiency
59.99%-0.10
Equity/Assets
0.00%+0.00
NPL Ratio
0.65%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
92.14%+1.83
Charge-offs
0.05%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.1 | 1.0 | 1.0 |
| ROE | 6.8 | 7.0 | 6.7 | 7.2 | 7.0 | 7.2 | 7.1 | 7.5 |
| Efficiency | 63.3 | 62.8 | 62.8 | 62.2 | 61.5 | 60.9 | 60.1 | 60.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.9 | 0.9 | 0.5 | 0.5 | 0.5 | 0.8 | 0.7 | 0.7 |
| Charge-offs | 0.7 | 0.4 | 0.4 | 0.3 | 0.0 | 0.0 | 0.1 | 0.0 |
| Loan/Deposit | 87.0 | 84.8 | 88.3 | 86.4 | 91.3 | 90.6 | 90.3 | 92.1 |
Balance Sheet
Total Assets$2.6B
Total Deposits$2.2B
Total Loans$2.0B
Total Equity$326.6M
Profitability
ROA1.04%
ROE7.54%
Efficiency Ratio59.99%
Net Income$27.0M
Risk & Asset Quality
NPL Ratio0.65%
Charge-off Rate0.05%
Loan/Deposit92.14%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans