United Business Bank

What United Business Bank does

United Business Bank is the operating bank subsidiary of BayCom Corp (NASDAQ: BCML), a $2.6B-asset regional commercial bank founded on July 20, 2004 that operates 34 branches across California, Colorado, Nevada, New Mexico, and Washington. The bank serves three primary customer segments: small and medium-sized businesses (commercial real estate, construction, SBA 7(a)/504, USDA B&I, equipment financing, lines of credit, and cash management), labor organizations (a dedicated Labor Services Division serving union locals, trust funds, and labor affiliates for over 25 years), and individual consumers (checking, savings, CDs, IRAs, HSAs, debit and credit cards).

The product platform combines a full depository franchise (business and personal checking/savings variants, money market, CDs, CDARS through IntraFi), a diversified loan portfolio (SBA Preferred Lender, USDA-guaranteed, CRE/construction, equipment, term, lines of credit, asset-based, letters of credit), and a cash management suite (online/mobile banking, ACH, wire transfers, remote deposit capture via Scan-A-Check, merchant card processing, Positive Pay, Lockbox, courier services). Underlying technology is standard community-bank infrastructure; no developer API, SDK, or AI/ML capability is disclosed, and the model relies on a bank-branded iOS/Android mobile app rather than proprietary platforms.

Revenue mechanics are dominated by net interest income — spread between interest earned on a $2.1B loan portfolio and interest paid on deposits — supplemented by non-interest income (deposit maintenance fees, wire and transaction fees, merchant card processing, SBA guarantee fee economics) and government-sponsored lending revenue. Reported Q1 2026 net income was $8.2M ($0.75 per diluted share), up 43.5% year-over-year, on a 4.03% Q4 2025 net interest margin. The go-to-market motion is community-led and relationship-driven, leveraging local decision-making authority across regional divisions and a specialist Labor Services RM bench. In April 2026, BayCom Corp replaced founder George J. Guarini with a new executive suite drawn from Banc of California, PacWest, and Heartland Financial to pursue larger acquisitions and renewed organic growth after a four-year acquisition-quiet stretch.

Name

United Business Bank

Legal name

United Business Bank

Website

https://unitedbusinessbank.com

Company type

Public

Founded year

2004

Operating status

Operating

Headcount range

251–500 employees

Short description

United Business Bank is the operating bank subsidiary of BayCom Corp (NASDAQ: BCML), a $2.6B-asset regional commercial bank with 34 branches across California, Colorado, Nevada, New Mexico, and Washington, serving small and medium-sized businesses, labor organizations, and individual consumers with deposit, lending, and cash management products.

Ownership category

akta.pro rank

Product category

Community and Regional Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Offices of Bank Holding Companies (551111)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

Keywords

• Community banking services
• Commercial lending
• Small business banking
• Labor organization banking
• SBA loans

Headquarters

HQ city

Oakland

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Net Interest Income: Interest earned on loan portfolio including commercial real estate, construction, SBA, equipment financing, and consumer loans. Core banking revenue from spread between interest earned on loans and paid on deposits.
2. Non-Interest Income: Fee income from deposit account maintenance, wire transfers, merchant card processing, cash management services, and other banking service charges
3. SBA and Government-Sponsored Lending: Revenue from SBA 7(a) and 504 loans, USDA Business & Industry loans with government guarantees

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

United Business Bank is a regional commercial bank that accepts deposits and extends credit to small and medium-sized businesses, labor organizations, and individual consumers across five western U.S. states. Its core offering spans personal and business checking, savings, money market, and certificate of deposit products; SBA 7(a)/504 and USDA Business & Industry loans; commercial real estate, construction, equipment, term, and lines of credit; treasury management (ACH, wire, remote deposit, merchant card processing, positive pay, lockbox); and a Labor Services Division dedicated to union locals, trust funds, and labor affiliates.

Product overview

United Business Bank operates as a regional commercial bank offering a unified suite of deposit, lending, and cash management products. The deposit portfolio spans personal and business checking and savings accounts, money market accounts, CDs, IRAs, and Health Savings Accounts. The lending portfolio includes SBA loans, USDA business loans, commercial real estate loans, construction loans, equipment financing, term loans, lines of credit, asset-based lending, letters of credit, and credit cards. Cash management services include online and mobile banking platforms, ACH and wire transfer services, remote deposit capture, merchant card processing, lockbox services, positive pay fraud protection, and courier services. A distinct Labor Services Division provides specialized banking for labor organizations and union trusts. The bank also provides access to CDARS (through IntraFi) for multi-million-dollar FDIC coverage. Products are offered across California, Colorado, Nevada, New Mexico, and Washington through 34 locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Checking Accounts A suite of business checking accounts for small and medium-sized businesses, including Small Business Checking, Business Interest Checking, Business Account Analysis (for higher transaction volumes with detailed reporting), Association Checking (for nonprofits/associations), and Simply Business Checking (low-fee streamlined account with online banking and eStatement enrollment). Designed for SMBs seeking personalized banking relationships with local decision-making and online banking access.
• Business Savings and Money Market Accounts Interest-bearing Business Savings and Business Money Market accounts designed for businesses seeking to earn interest on deposited funds while maintaining access; Business Money Market offers competitive rates and limited check-writing access for businesses with substantial balances.
• Business Certificates of Deposit (CDs) Time deposit accounts for businesses offering guaranteed fixed-rate returns over specified terms, providing a secure, predictable investment vehicle for business reserves.
• CDARS (Business) Deposit placement service provided through the IntraFi Network that gives businesses access to multi-million-dollar FDIC insurance coverage by distributing deposits across a network of banks, with consolidated statements and a single relationship. Minimum $250,000 to open.
• Personal Checking Accounts A suite of personal checking accounts for individual retail customers, including Personal Checking (basic with ATM fee refunds in CA, CO, NM, WA), Personal Interest Checking (interest-bearing), Exclusive 50 Checking (for customers 50+), and Simply Checking (waived with two qualifying services). All include unlimited check writing, online bill pay, and digital access.
• Personal Savings and Money Market Accounts Personal Savings account (interest-bearing, $5 monthly fee waived with $500 minimum daily balance) and Personal Money Market account (competitive rates, direct check writing, $10 monthly fee waived at $2,500 balance). Both include free ATM access.
• Personal Certificates of Deposit (CDs) Personal time deposit accounts offering guaranteed fixed-rate returns with terms ranging from 30 days to 5 years, requiring a minimum deposit of $1,000.
• CDARS (Personal) Personal CDARS deposit placement service providing multi-million-dollar FDIC insurance through the IntraFi Network, with consolidated tax statements and terms from 4 weeks to 3 years. Minimum $250,000 to open.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts available in Traditional and Roth variants, requiring a $1,000 minimum deposit, offering better interest rates than regular savings and FDIC insurance protection.
• Health Savings Accounts (HSAs) Tax-advantaged savings accounts for medical expenses paired with high-deductible health plans, offering a debit MasterCard, free online banking, and tax benefits on contributions and withdrawals for qualified medical expenses.
• SBA Loans (7(a) and 504) SBA 7(a) and 504 government-guaranteed loans for small businesses, offering competitive interest rates, lower down payments, and extended terms up to 25 years. Delivered under SBA Preferred Lender status for streamlined processing.
• SBA Business Express Loan A streamlined SBA 7(a) loan program providing faster access to SBA-backed financing for amounts $25,000 to $500,000, requiring FICO 650+, with terms up to 10 years. Packaging fee up to $2,500 waived for applications by 6/30/26.
• U Matter Business Express Loan A small business term loan program offering amounts up to $25,000 with 3- or 5-year terms at competitive rates, designed for established businesses operating for at least one year that maintain a UBB business checking account.
• Business Term Loans General-purpose business term loans for established or startup businesses offering competitive rates with flexible terms tailored to the borrower's business plans.
• Equipment Financing Business loans used to purchase or upgrade equipment, machinery, office equipment, or company vehicles, offering competitive rates with flexible terms and a 6-month draw period.
• Commercial Real Estate Loans Loans for acquiring, expanding, renovating, or developing commercial real estate, offering flexible terms up to 10 years with amortization periods up to 25 years and local loan decision-making.
• Construction Loans Short-term construction loans up to 2 years with competitive interest rates and optional interest-only payments during construction, with the ability to roll into a full commercial real estate loan upon completion.
• USDA Business and Industry Loans Government-supported business and agribusiness loans guaranteed by the U.S. Department of Agriculture, designed to support rural communities with competitive rates and flexible terms for eligible businesses in designated rural areas.
• Business Line of Credit A revolving line of credit for businesses providing flexible access to funds for short-term needs, cash flow management, and seasonal fluctuations, with interest charged only on drawn amounts.
• Asset-Based Line of Credit A revolving line of credit secured by inventory or accounts receivable, allowing businesses to borrow against assets with interest charged only on drawn funds and renewed annually.
• Letters of Credit Standby letters of credit for guaranteeing services or payments on large purchases, with maturities up to 1 year, available in secured and unsecured forms, particularly useful in international commerce.
• Business Credit Cards Business credit cards providing purchasing power for day-to-day business expenses with expense tracking via account statements and competitive APRs.
• Labor Services Division A specialized banking division dedicated to serving labor organizations, union locals, trust funds, and labor affiliates, providing customized financing structures, commercial deposits, and cash management services tailored to organized labor's unique banking needs. Includes dedicated relationship managers across California, Nevada, New Mexico, and Washington, with 25+ years of labor community experience.
• ACH Services Automated Clearing House services enabling businesses to initiate and receive ACH debits and credits for payroll direct deposit, vendor payments, and receivables collection, reducing administrative burden.
• Wire Transfers Domestic and international wire transfer services for fast fund movement, accessible through the online cash management suite with no maintenance fee for incoming wires.
• Remote Deposit (Scan-A-Check) Electronic check deposit service allowing businesses to deposit checks remotely using a scanner, providing faster fund availability and eliminating branch visits.
• Merchant Card Processing Payment processing services enabling businesses to accept all major credit cards, debit cards, and gift cards at checkout, with competitive rates and the ability to use existing or new equipment.
• Positive Pay A fraud prevention service that automatically matches issued check records against paid items to detect fraud, duplicates, voided checks, and encoding errors.
• Lockbox Services A receivables collection service that images checks and documents during the posting process, ideal for businesses with large volumes of incoming payments such as HOAs and property management firms.
• Courier Services Scheduled pickup of business deposits using tamper-resistant deposit bags from business locations for same-day processing at the nearest United Business Bank branch.
• Business Online and Mobile Banking 24/7 online and mobile banking platforms for business accounts providing balance checks, transaction history, fund transfers, eStatements, mobile deposit, transaction approval, text alerts, and access to the Online Cash Management Suite including Bill Pay, ACH, and Wire Transfers.
• Personal Online and Mobile Banking 24/7 online and mobile banking platforms for personal account holders providing balance checks, transaction history, loan payments, eStatements, free bill pay, mobile check deposit, fund transfers, transaction history, and ATM/branch location services.
• Personal Credit Card A personal credit card with competitive APR, worldwide acceptance, online account management, and expense tracking through monthly statements.
• Mortgage Payment Assistance Loan workout and modification assistance for borrowers behind on mortgage or home equity payments, offering case-by-case evaluation of options to avoid foreclosure, including loan modifications and repayment plans.

Quantifiable outcome

• $38.25 Million in loan commitments to CDFI nonprofits
• +4 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Two partnerships are on record, tiered core and minor.

• U.S. Small Business Administration (SBA)coreStrategic or Co-development PartnerPreferred Lender partnership for SBA 7(a) and 504 loan programs, enabling streamlined government-guaranteed financing for small businesses with competitive rates and extended terms.
• U.S. Department of Agriculture (USDA)minorStrategic or Co-development PartnerPartner for Business & Industry (B&I) loan guarantees supporting rural business development and employment growth in designated rural areas.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bank of Marin Bancorp: Northern California community bank of comparable size serving SMBs and individuals with relationship-based banking. Directly comparable geographic focus, customer profile, and community banking model.
• Banc of California: California-focused commercial bank serving businesses, with the new UBB CEO having served as President of Commercial and Community Banking there. Overlapping geographic and customer base with community banking emphasis.
• Pacific Premier Bancorp: West Coast regional bank focused on SMBs and commercial banking relationships. Comparable size range and CRE/SBA lending emphasis with similar relationship-banking approach.
• CVB Financial (Citizens Business Bank): California-based community commercial bank serving SMBs with treasury management and commercial lending focus. Directly comparable in size, geography, and SMB relationship banking.
• Heritage Commerce Corp: Northern California community bank headquartered in San Jose, serving SMBs with commercial loans and deposits. Similar size, Bay Area focus, and SMB customer base.
• Central Valley Community Bancorp: California-based community bank serving SMBs and agribusiness with CRA-focused lending. Comparable size, geography, and emphasis on community development lending and government-guaranteed loan programs.

Broad incumbents

• Pacific West Bancorp (PacWest): Larger Pacific Coast regional bank with C&I and CRE focus. Highly relevant as the new UBB Vice Chair played a central role stabilizing PacWest during the 2023 banking crisis.
• Columbia Banking System: Pacific Northwest and West Coast regional bank with significantly larger asset base. Comparable commercial banking model with overlapping geographies (Washington, California, Oregon).

Emerging players

• Live Oak Bancshares: Digital-forward community bank specializing in SBA lending with a tech-enabled origination model. Comparable SBA focus though operating with a national rather than regional footprint.

Regional players

• TriCo Bancshares: Northern California community bank with similar SMB and consumer banking focus. Comparable size range and West Coast regional community banking model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/united-business-bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Business Bank