Bank · FDIC insured
United Business Bank
A $2.6B bank headquartered in Walnut Creek, CA, with 34 branches in 5 states. Best rates: CDs 4.00% and savings 0.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.00%CD rates →
- Savings701.26%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About United Business Bank
United Business Bank serves California, Colorado, Nevada, New Mexico, and Washington.
Conceived to provide clients knowledgeable service and direct access to decision-makers, the bank specializes in small business lending including SBA 7(a) and 504 loans.
- Headquarters
- 500 Ygnacio Valley Rd, Walnut Creek, CA 94596
- FDIC certificate
- 57716 ↗
Branches
34 branches in 5 states
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California
16 branches
San Francisco area · 6
- United Business BankMain office500 Ygnacio Valley Rd, Walnut Creek, CA 94596Directions
- Castro Valley Branch3895 E Castro Valley Blvd, Castro Valley, CA 94552Directions
- Livermore Branch2300 1st St, Livermore, CA 94550Directions
- Oakland Branch100 Hegenberger Rd, Oakland, CA 94621Directions
- Pleasanton Branch465 Main St, Pleasanton, CA 94566Directions
- San Francisco Branch121 Spear St, San Francisco, CA 94105Directions
Los Angeles area · 5
- Buena Park Branch6301 Beach Blvd, Buena Park, CA 90621Directions
- Garden Grove Branch9465 Garden Grove Blvd, Garden Grove, CA 92844Directions
- Irvine Branch17748 Sky Park Cir, Irvine, CA 92614Directions
- Kilroy Airport Way3750 Kilroy Airport Way, Long Beach, CA 90806Directions
- Los Angeles Branch3333 Wilshire Blvd, Los Angeles, CA 90010Directions
San Jose area · 2
- Mountain View Branch700 E El Camino Real, Mountain View, CA 94040Directions
- San Jose Branch2550 N 1st St, San Jose, CA 95131Directions
Stockton area · 2
- Stockton Branch22 W Yokuts Ave, Stockton, CA 95207Directions
- Waterloo Branch4426 E. State Highway 88 On Waterloo Road, Stockton, CA 95215Directions
Sacramento area · 1
- Sacramento Branch3001 I St, Sacramento, CA 95816Directions
Colorado
11 branches
Crawford area · 1
- Crawford Branch392 Highway 92, Crawford, CO 81415Directions
Delta area · 1
- Delta Branch564 Main St, Delta, CO 81416Directions
Colorado Springs area · 1
- Fountain Branch410 S Santa Fe Ave, Fountain, CO 80817Directions
Fraser area · 1
- 197 N Zerex Branch197 N Zerex St, Fraser, CO 80442Directions
Granby area · 1
- Granby Branch337 East Agate Avenue, Granby, CO 80446Directions
Grand Lake area · 1
- Grand Lake Branch902 Grand Ave, Grand Lake, CO 80447Directions
Denver area · 1
- Dtc Branch8400 E Crescent Pkwy, Greenwood Village, CO 80111Directions
Hotchkiss area · 1
- Hotchkiss Branch102 E Bridge St, Hotchkiss, CO 81419Directions
Kremmling area · 1
- Kremmling Branch100 W Park Ave, Kremmling, CO 80459Directions
Paonia area · 1
- Paonia Branch128 Grand Ave, Paonia, CO 81428Directions
Westcliffe area · 1
- Westcliffe Branch102 S Adams Blvd, Westcliffe, CO 81252Directions
New Mexico
5 branches
- Albuquerque Br1500 Mercantile Ave Ne, Albuquerque, NM 87107Directions
- 394 Rio Communities Blvd Branch394 Rio Communities Blvd, Belen, NM 87002Directions
- Belen Branch19339 Highway 314, Belen, NM 87002Directions
- 2199 Main Street2199 Main St Se, Los Lunas, NM 87031Directions
- 307 West Broadway Street Branch307 W Broadway, Mountainair, NM 87036Directions
Nevada
1 branch
- Las Vegas Branch7345 S. Durango Drive, Las Vegas, NV 89113Directions
Washington
1 branch
- Seattle Washington Branch14900 Interurban Ave S, Seattle, WA 98168Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.66% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.47% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.12% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $96 | $88 | — |
- CapitalLeverage ratio11.66%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.47%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.12%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$96Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of United Business Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.