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United Business Bank

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United Business Bank Rates & Review May 2026

Q: How many branches does United Business Bank operate?

United Business Bank currently maintains approximately 34 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, United Business Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Business Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 21, 2026

You can compare United Business Bank rates to other rates in our database, including 12-month CD rates currently at 3.25%, 6-month CD rates at 2.60% and 3-month CD rates at 2.27%. Savings rates are at 0.03% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to United Business Bank rates. MonitorBankRates evaluates the financial stability of United Business Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.93%. Rates were last updated on 05/21/2026.

United Business Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at United Business Bank? Share your experience about United Business Bank by leaving a review below, or read customer reviews before you decide to use United Business Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.93%

Excellent Lower than avg

United Business Bank

500 Ygnacio Valley Rd
Walnut Creek, CA 94596

http://www.unitedbusinessbank.com

Current Rate Availability

We do not have United Business Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for United Business Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather United Business Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with United Business Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name United Business Bank

Bank Holding Company BAYCOM CORP

Address 500 Ygnacio Valley Rd, Walnut Creek, CA 94596 · Contra Costa

Website https://www.unitedbusinessbank.com

FDIC Certificate # 57716

Established 07/20/2004

FDIC Insurance Date 07/20/2004

Domestic Offices 34

Total Branches 34

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.93%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3033%

Return on Equity (ROE) 9.0800%

Non-Performing Loans (NPL) 0.56%

Total Assets $2,576,971,000

Total Deposits $2,221,090,000

Equity Capital $326,553,000

Net Income $26,953,000

Headquarters Walnut Creek

Total Offices 34

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About United Business Bank

How many branches does United Business Bank operate?

United Business Bank currently maintains approximately 34 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, United Business Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Business Bank provides members with tools to manage their accounts and build a solid financial history.

Does United Business Bank offer online and mobile banking?

Most modern institutions like United Business Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.unitedbusinessbank.com.