United Business Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at United Business Bank (FDIC Cert #57716) registers 79/100 on DLRadar's scale — a severe reading. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

What separates this from a plain credit rating is the geographic weighting — United Business Bank's 79/100 reading reflects not just its balance sheet but the 18 counties it lends into, so the score doubles as a map of where its stress will land first. United Business Bank is part of a publicly traded group, trading under ticker BCML via Baycom Corp, so its disclosures are public and its stress trajectory is externally verifiable. At the county level, United Business Bank finances markets like Los Angeles County, CA, Orange County, CA, King County, WA, Clark County, NV — the specific places where its credit posture translates into local lending capacity. DLRadar does not model United Business Bank in isolation: the 976-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 18 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. The combination of a severe reading and a mid-sized footprint is what makes United Business Bank worth watching as a supply signal. No bank is too small to score the same way: United Business Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 18-county, 976-ZIP profile means exactly what it would for any institution nationwide. The recent trend is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. United Business Bank runs a mid-sized, multi-state real-estate lending footprint — 18 U.S. counties across 5 states, spanning 976 ZIP codes. It concentrates most in California (8 counties), Colorado (5 counties), New Mexico (3 counties), Washington (1 county).

The acquisition angle is simple — lending capacity is what moves deals. As United Business Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.