United Business Bank
Business-focused bank serving Northern California businesses. Walnut Creek headquarters with specialized commercial banking services. Toll-free support and dedicated business banking teams for personalized service.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (14 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
United Business Bank ranks #174 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of United Business Bank’s 7(a) acquisition lending falls in the $0-$500K range: 6 loans, 42.9% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 6 | 42.9% | |
| $500K-$1M | 4 | 28.6% | |
| $1M-$2M | 2 | 14.3% | |
| $2M-$3M | 1 | 7.1% | |
| $4M-$5M | 1 | 7.1% |
Industries with highest loan volume
Limited-Service Restaurants
5
loans
$953K
avg. amount
Full-Service Restaurants
2
loans
$249K
avg. amount
Tire Dealers
1
loans
$748K
avg. amount
Supermarkets and Other Grocery Retailers (except Convenience Retailers)
1
loans
$785K
avg. amount
Automotive Glass Replacement Shops
1
loans
$253K
avg. amount
Motor Vehicle Towing
1
loans
$4.1M
avg. amount
Gasoline Stations with Convenience Stores
1
loans
$1.5M
avg. amount
Beer, Wine, and Liquor Retailers
1
loans
$895K
avg. amount
Snack and Nonalcoholic Beverage Bars
1
loans
$605K
avg. amount
10-Year
3.1%
Percentile Ranking
92th
92th percentile
United Business Bank’s median variable rate is + 1.88%, against a market median of Prime + 1.88%, 0 above market.
It priced below the market median in 6 of the last 8 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.08% |
| $500K-$1M | Prime + 1.63% |
| $1M-$2M | Prime + 1.25% |
| $2M-$3M | Prime + 1.00% |
| $4M-$5M | Prime + 0.50% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q2 '21 | Prime + 1.00% | Prime + 2.25% | Prime + 1.75% – Prime + 2.75% | 3 |
| Q3 '21 | Prime + 1.50% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 9 |
| Q4 '21 | Prime + 1.25% | Prime + 2.00% | Prime + 1.64% – Prime + 2.50% | 3 |
| Q1 '22 | Prime + 2.00% | Prime + 2.00% | Prime + 1.74% – Prime + 2.50% | 3 |
| Q3 '22 | Prime + 0.63% | Prime + 1.75% | Prime + 1.25% – Prime + 2.25% | 4 |
| Q4 '22 | Prime + 0.75% | Prime + 1.75% | Prime + 1.00% – Prime + 2.00% | 3 |
| Q1 '23 | Prime + 1.50% | Prime + 1.75% | Prime + 1.25% – Prime + 2.25% | 3 |
| Q4 '23 | Prime + 2.00% | Prime + 2.00% | Prime + 1.42% – Prime + 2.50% | 3 |
United Business Bank has originated 7(a) acquisition loans in 1 states, most actively in California (14). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| California | 14 | 100.0% |
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