SBA lender profile
United Business Bank
United Business Bank appears in the public SBA loan data with 224 funded 7(a) loans totaling $273.3M, an average of $1.2M per loan, and an estimated 4,839 jobs supported. Its SBA lending concentrates in California and the Retail Trade sector. Across all of its loans in the data, its charge-off rate is 0.4%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
224
Total volume
$273.3M
Average loan size
$1.2M
Charge-off rate
0.4%
Share of funded loans charged off
Jobs supported (reported)
4,839
Programs
7(a)
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 | 182 | $223.7M |
| Colorado | 10 | $14.7M |
| Nevada | 9 | $13.9M |
| Arizona | 2 | $5.7M |
| Washington | 7 | $3.4M |
| North Carolina | 1 | $3.0M |
What United Business Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 55 | $84.3M |
| Accommodation and Food Services | 76 | $74.4M |
| Health Care and Social Assistance | 24 | $25.3M |
| Transportation and Warehousing | 11 | $20.1M |
| Other Services | 17 | $19.4M |
| Wholesale Trade | 5 | $10.4M |
United Business Bank SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 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 |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of United Business Bank's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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