SBA lender profile
United Business Bank
United Business Bank appears in the public SBA loan data with 1,442 funded 7(a) loans since FY2010, totaling $1.4B, an average of $985K per loan, and an estimated 25,213 jobs supported. Its SBA lending concentrates in California and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 2.4%. 82.0% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 77
- Scale 94
- Activity 79
- Consistency 86
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is United Business Bank the right lender for you?
Lenders fund what they know. United Business Bank's SBA lending concentrates in California (1,252 loans) and Accommodation and Food Services (383 loans), at an average loan of $985K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $2.6B
- Headquarters
- Walnut Creek, CA
- FDIC cert
- #57716
- Status
- Active
Where United Business Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| California | 1,252 | $1.2B |
| Washington | 78 | $74.7M |
| Colorado | 26 | $21.3M |
| Arizona | 15 | $20.3M |
| Nevada | 14 | $19.1M |
| Oregon | 12 | $15.4M |
Metro areas where United Business Bank funds
What United Business Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 383 | $387.5M |
| Retail Trade | 313 | $331.9M |
| Other Services | 174 | $174.0M |
| Manufacturing | 113 | $107.4M |
| Health Care and Social Assistance | 82 | $83.5M |
| Transportation and Warehousing | 67 | $73.9M |
United Business Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 129 | $77.1M |
| 2011 | 121 | $118.2M |
| 2012 | 70 | $54.9M |
| 2013 | 87 | $90.3M |
| 2014 | 130 | $129.9M |
| 2015 | 149 | $149.5M |
| 2016 | 157 | $158.5M |
| 2017 | 145 | $167.7M |
| 2018 | 133 | $119.6M |
| 2019 | 97 | $81.3M |
| 2020 | 61 | $63.7M |
| 2021 | 98 | $126.4M |
| 2022 | 31 | $43.7M |
| 2023 | 12 | $15.8M |
| 2024 | 12 | $15.0M |
| 2025 | 7 | $7.8M |
| 2026 | 3 | $961K |
Related SBA lenders
Other lenders active in California or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
United Business Bank: frequently asked questions
Does United Business Bank offer SBA loans?
Yes. United Business Bank appears in the public SBA data with 1,442 funded SBA 7(a) loans totaling $1.4B.
How many SBA loans has United Business Bank made?
United Business Bank is associated with 1,442 SBA 7(a) loans totaling $1.4B in the public SBA data (as of 2026-03-31).
What is United Business Bank's SBA charge-off rate?
About 2.4% of United Business Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does United Business Bank do most of its SBA lending?
United Business Bank's SBA lending in the data is most concentrated in California, and by industry in Accommodation and Food Services.
Is United Business Bank an SBA Preferred Lender (PLP)?
The loan record shows United Business Bank operating under PLP delegated authority: 1,182 of its 7(a) loans (82.0%) were processed through the Preferred Lenders Program, including 20 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). United Business Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/united-business-bank/
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