The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 12 points (72 → 60), mostly because the earnings component weakened by 37 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in California

Yes. United Business Bank is an FDIC-insured institution (FDIC certificate #57716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 46.5% of deposits ($1.0B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.66%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.87% (benchmark: 10%).

Check how much of your own balance is covered

United Business Bank lists 34 offices in 32 cities across 5 states. Most locations:

• Belen, NM (2)
• Stockton, CA (2)
• Albuquerque, NM (1)
• Buena Park, CA (1)
• Castro Valley, CA (1)
• Crawford, CO (1)
• Delta, CO (1)
• Fountain, CO (1)
• Fraser, CO (1)
• Garden Grove, CA (1)
• Granby, CO (1)
• Grand Lake, CO (1)

All branch addresses and map

Legal name

United Business Bank

Former names

Bay Commercial Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

57716

RSSD ID

3281510

Primary regulator

FED

Holding company

Baycom Corp

Established

July 20, 2004

Headquarters

500 Ygnacio Valley Rd, Walnut Creek, CA 94596

Website

www.unitedbusinessbank.com

Employees

329