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Overview / Commentary
101 South Ellsworth Avenue, Suite 110
San Mateo, CA 94401

United American Bank is headquartered in San Mateo and is the 124th largest bank in the state of California. It is also the 2,535th largest bank in the nation. It was established in 2003 and as of March of 2014, it had grown to 48 employees at 3 locations. United American Bank has a B health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 United American Bank had $5.29 million in non-current loans and owned real-estate with $25.88 million in equity and loan loss allowances on hand to cover it. This gives United American Bank a Texas Ratio of 20.45% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for United American Bank decreased dramatically from 47.15% as of March 31, 2013 to 20.45% as of March 31, 2014, resulting in a positive change of 56.62%.This indicates that the balance sheet and financial strength for United American Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, United American Bank has decreased its total deposits by -$8.28 million, resulting in -3.43% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United American Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United American Bank has $252.42 million in assets with $25.88 million in equity, resulting in a capitalization level of 10.25%, which is above average.

Institution Statistics

FDIC Certificate #57447
Year Established2003
Primary RegulatorFDIC
Assets and Liabilities
Assets$252.42 million
Loans$155.38 million
Deposits$233.15 million
Equity Capital$18.22 million
Loan Loss Allowance$7.66 million
Unbacked Noncurrent Loans$4.18 million
Real Estate Owned$1.12 million
Historic Data - March 2013
Assets$262.09 million
Equity Capital$19.46 million
Loan Loss Allowance$8.74 million
Unbacked Noncurrent Loans$4.18 million
Real Estate Owned$1.14 million
Profit Margin - Quarterly
Net Interest Margin2.97%
Return on Assets-0.35%
Return on Equity-4.78%
Interest Income$1.93 million

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United American Bank Locations
United American Bank101 South Ellsworth Avenue, Suite 110San Mateo, CA 94401
Mid-Peninsula2400 Broadway, Suite 100Redwood City, CA 94063
Half Moon Bay Branch40 North Cabrillo HighwayHalf Moon Bay, CA 94019