UNITED SECURITY BANK

FRESNO, CA | Large | Est. Dec. 21, 1987, midnight | FDIC #27132 | RSSD #1162017 | FED
Latest Report: 2025-12-31

UNITED SECURITY BANK is aln large FDIC-insured commercial bank headquartered in FRESNO, CA, established in Dec. 21, 1987, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.1B. Profitability stands at 1.22% ROA and 10.67% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 10.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.63% and a Texas Ratio of 3.63%. FDIC Certificate #27132.

Assets

$1.2B

Deposits

$1.1B

Loans

$915M

Equity

$143M

Profitability

Return on Assets (ROA) 1.22%
Return on Equity (ROE) 10.67%
Net Interest Margin (NIM) 4.30%
Yield on Assets 5.22%
Cost of Funds 2.00%

Asset Quality

NPL Ratio 0.63%
Net Charge-Off Ratio 0.67%
Texas Ratio 3.63%
NPA Ratio 0.46%
ACL / Loans 1.62%

Capital & Liquidity

CET1 Ratio 10.80%
Tier 1 Capital 10.80%
Total Capital Ratio 11.34%
Leverage Ratio 12.40%
Loan-to-Deposit 83.83%

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