This institution is no longer active

Operations ceased on November 6, 2009. CRA examination history below reflects the period it was active.

UNITED COMMERCIAL BANK

SAN FRANCISCO, CA · Supervised by FDIC

Est. 1986FDIC #32,469RSSD: FDIC-32469

Part ofUCBH HOLDINGS INC→ View all charters

Outstanding Same

Current rating · Exam: January 2008

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -11.46%

Institution Profile

FDIC BankFind

Address

555 Montgomery Street, SAN FRANCISCO, CA

County

San Francisco County

Established

March 27, 1986

Total Assets

$10.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 7, 2008

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 18 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2009Call Report / FDIC

Total Assets

$10.9B

Total Deposits

$7.7B

Net Loans

$7.3B

Net Income

$-1,085,667K

ROA

-11.46%

Below avg for Regional banks. Peer avg: 0.88%

ROE

-127.09%

Risk-Based Capital

5.91%

Below avg for Regional banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

ROA-11.46%Peer avg: 0.88%▼ Below avg

Risk-Based Capital5.91%Peer avg: 30.04%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jan 2008	Outstanding	Large Bank
Sep 2004	Outstanding	Large Bank
Jul 2001	Outstanding	Large Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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