United Business Bank (FDIC #57716): Bank Stress & Real-Estate Credit Exposure
United Business Bank (FDIC Cert #57716): bank stress 79/100, severe, STABLE over 7 days; parent BAYCOM CORP (BCML).
United Business Bank (#57716) lends in 18 counties across 5 states; United Business Bank (#57716) reaches 976 ZIP codes: California 8 counties, 664 ZIPs; Colorado 5 counties, 102 ZIPs; New Mexico 3 counties, 45 ZIPs; Washington 1 county, 89 ZIPs; Nevada 1 county, 76 ZIPs.
United Business Bank (#57716) largest markets: Los Angeles County, CA (608 branches, 304 ZIPs) (#57716), Orange County, CA (276 branches, 92 ZIPs) (#57716), King County, WA (89 branches, 89 ZIPs) (#57716), Clark County, NV (76 branches, 76 ZIPs) (#57716), Santa Clara County, CA (126 branches, 63 ZIPs) (#57716), Sacramento County, CA (58 branches, 58 ZIPs) (#57716).
United Business Bank (#57716) reports $2.56 billion in total assets; United Business Bank (#57716) equity $326.2 million (12.7% of United Business Bank (#57716) assets); United Business Bank (#57716) domestic deposits $2.17 billion; United Business Bank (#57716) net income $1.5 million; United Business Bank (#57716) return on assets 0.12%; United Business Bank (#57716) return on equity 0.93%; United Business Bank (#57716) net interest income $49.0 million; United Business Bank (#57716) call report June 30, 2026.
United Business Bank (#57716) noncurrent real-estate loans 0.31% of its book; United Business Bank (#57716) residential 0.41%; United Business Bank (#57716) net charge-offs on real estate 0.47%; United Business Bank (#57716) residential charge-offs 0.60%.
United Business Bank (#57716) net interest margin 4.05% against an eight-quarter United Business Bank (#57716) average of 4.00% (United Business Bank (#57716) compression -0.05 points); United Business Bank (#57716) real-estate loans 30.6% of equity; United Business Bank (#57716) non-residential real estate 60.2% of equity; United Business Bank (#57716) rate-exposure score 40/100, United Business Bank (#57716) fixed-rate trap 40/100; United Business Bank (#57716) risk type credit driven; United Business Bank (#57716) rate regime rates elevated; United Business Bank (#57716) shares 9.6% below the 52-week high, United Business Bank (#57716) equity trend weakening, United Business Bank (#57716) snapshot October 20, 2026.
United Business Bank (#57716) stress score moved from 53.6 on June 22, 2026 to 78.5 on October 20, 2026; United Business Bank (#57716) ranged 53.6 to 78.5 over 117 snapshots.
United Business Bank (#57716) alerts: 18 counties; top United Business Bank (#57716) alert scores: San Francisco County, CA 45 (moderate); Los Angeles County, CA 43 (moderate); Sacramento County, CA 43 (moderate); Albuquerque County, CA 24 (low); Englewood County, CA 24 (low).