Side-by-side · Q2 2026 data
United Business Bank vs CalPrivate Bank
Metric by metric
| Measure | United Business Bank | CalPrivate Bank |
|---|---|---|
| TellerScore | 60 | 65 (stronger) |
| Capital cushion | 67 (stronger) | 65 |
| Loan quality | 84 (stronger) | 58 |
| Earnings | 25 | 100 (stronger) |
| Funding & liquidity | 31 (stronger) | 26 |
| Problem-loan coverage | 94 (stronger) | 75 |
| Peer percentile | 21st | 36th |
| Total assets | $2.6B | $2.7B |
| Deposits / shares | $2.2B | $2.4B |
| Capital ratio | 11.66% (stronger) | 11.52% |
| Problem loans | 0.47% (stronger) | 1.26% |
| Net charge-offs | 0.28% | 0.08% (stronger) |
| Return on assets | 0.12% | 2.02% (stronger) |
| Loans ÷ deposits | 94.4% | 88.2% (stronger) |
| Uninsured deposits | 46.5% (stronger) | 56.5% |
| Offices | 34 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
CalPrivate Bank has the higher TellerScore (65 vs 60). On the 7 directional measures above (where higher or lower is clearly better), United Business Bank leads on 3 and CalPrivate Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.