Question 1

What is United Pacific Bank?

Accepted Answer

United Pacific Bank is a commercial bank specializing in commercial and international banking services for emerging middle-market companies. Located in the San Gabriel Valley region of Southern California, the bank maintains two business centers and focuses on serving businesses across five counties in Southern California. With approximately $186 million in assets and a commercial lending specialization, United Pacific Bank positions itself as a premier commercial bank with a global perspective.

Question 2

When was United Pacific Bank founded?

Accepted Answer

United Pacific Bank was founded in 1982, establishing itself as a community-focused commercial bank. The bank was created with a vision to maintain a strong reputation as a premier commercial bank with a global perspective while maintaining local experience in financial disciplines. Over its 43-year history, the bank has built long-term relationships with clients while providing customized financial solutions for unique business situations.

Question 3

Where is United Pacific Bank headquartered?

Accepted Answer

United Pacific Bank is headquartered at 1630 S Azusa Avenue in City of Industry, California. The City of Industry is an almost entirely industrial city in the San Gabriel Valley in eastern Los Angeles County, home to over 3,000 businesses. The bank's corporate office is strategically positioned to serve the business community in this important commercial hub.

Question 4

Where does United Pacific Bank operate?

Accepted Answer

United Pacific Bank operates through two strategically positioned business centers in Southern California. The bank maintains its Corporate Office in City of Industry and a Regional Office in Monterey Park, serving the San Gabriel Valley and five counties throughout Southern California. The bank's primary operational focus is on the Los Angeles-Long Beach-Anaheim metropolitan area, which accounts for approximately 72% of its loan portfolio, with additional concentrations in Orange County (15%) and San Diego County (8%).

Question 5

What services does United Pacific Bank offer?

Accepted Answer

United Pacific Bank offers a comprehensive range of commercial and international banking products tailored to business needs. The bank specializes in commercial real estate lending, which comprises approximately 72% of its loan portfolio, along with multifamily mortgages, construction and development loans, and commercial and industrial loans.

The bank provides business deposit accounts, commercial lending solutions, and international banking services. Digital banking capabilities include UPBNET online banking platform providing 24/7 access to account services and remote deposit capabilities for business customers.

As an SBA Preferred Lender under the U.S. Small Business Administration program, United Pacific Bank offers expedited loan processing and tailored financial solutions for small to medium-sized enterprises.

Question 6

What makes United Pacific Bank unique?

Accepted Answer

United Pacific Bank distinguishes itself through its focus on commercial lending with a global perspective combined with local expertise. The bank has achieved SBA Preferred Lender Status, which allows for expedited loan processing and faster approval times for borrowers.

With a loan-to-deposit ratio of 94.4% and a capitalization rate of 19.11% (significantly higher than the national bank average of 11.22%), the bank demonstrates strong financial positioning. The bank's specialization in commercial real estate lending, particularly in the dynamic Southern California market, provides deep expertise in this sector.

United Pacific Bank maintains a highly focused business model with only 27 employees across two locations, enabling personalized service and quick decision-making for middle-market companies.

Question 7

What type of financial institution is United Pacific Bank?

Accepted Answer

United Pacific Bank is a state-chartered commercial bank supervised by the Federal Deposit Insurance Corporation (FDIC). As a commercial bank with commercial lending specialization, it focuses primarily on business banking rather than retail consumer banking. The bank is FDIC-insured under certificate number 23805 and operates as a non-member of the Federal Reserve System, giving it regulatory oversight from both state and federal banking authorities while maintaining flexibility in its operations.

United Pacific Bank

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About United Pacific Bank in the United States