Vitals
  • Total Assets
    788.8M 8.7 %
  • Total Deposits
    676.9M 8.8 %
  • Total Net Loans
    561.9M 11.1 %
  • Net Income
    8.0M 12.5 %
  • Book Value
    104.6M 7.4 %
  • Book Value x2
    209.1M 7.4 %
  • Book Value x3
    313.7M 7.4 %
ROAA

1.063

ROAE

7.892

Efficiency Ratio

60.034

Net Interest Margin

4.145

Balance Sheet Highlights
Financial Highlights United Security Bank All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 788,833 1,346,313
Total Net Loans 561,932 907,793
Total Deposits 676,864 1,084,972
Total Equity 104,554 169,778
Profitability
Net Income 7,973 12,577
Return on Average Assets 1.063 .955
Return on Average Equity 7.892 8.072
Net Interest Margin 4.145 3.784
Efficiency Ratio 60.034 64.937
Noninterest Income/Revenue 13.707 13.682
Balance Sheet Ratios
Loan-to-Deposit 83.02 83.983
Securities/Assets .073 .141
Total Equity/Total Assets .133 .126
Tangible Equity/Tangible Assets .127 .113
Capital Adequacy
Tier 1 Common Capital 100,500 147,337
Tier 1 Capital 100,500 147,552
Tier 2 Capital 7,903 11,893
Total Capital 108,403 160,236
Total Risk Weighted Assets 630,981 1,009,488
Leverage Ratio 12.99 11.256
Common Equity Tier 1 Capital Ratio 15.93 14.697
Tier 1 Capital Ratio 15.93 14.792
Total Capital Ratio 17.18 16.005

Timeline for United Security Bank

Legacy Bank, N.A.

Acquisition: United Security Bank acquired a new subsidiary, Legacy Bank, N.A., 17 years

View Profile Feb 17 2007

United Security Emerging Capital Fund

United Security Emerging Capital Fund became a new subsidiary organization for United Security Bank.

View Profile Aug 17 2005

Taft National Bank

Acquisition: United Security Bank acquired a new subsidiary, Taft National Bank, 20 years

View Profile Apr 24 2004

Usb Investment Trust

Usb Investment Trust became a new subsidiary organization for United Security Bank.

View Profile Jan 01 2002

United Security Bancshares

United Security Bancshares became a new parent organization for United Security Bank.

View Profile Jun 12 2001

Want to see more?

Complete timeline for United Security Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Legacy Bank, N.A. Seller 87,235 Acquisition Discontinued 2/17/2007
Taft National Bank Seller 52,769 Acquisition Discontinued 4/24/2004
Golden Oak Bank Seller 43,194 Pooling of Interests Discontinued 8/26/1995
Relationships Role Relationship Start Relationship End
United Security Bancshares Parent 6/12/2001
Usb Investment Trust Subsidary 1/1/2002
United Security Emerging Capital Fund Subsidary 6/30/2007 9/26/2014
United Security Emerging Capital Fund Subsidary 8/17/2005 6/29/2007
Usbcbia Corporation Subsidary 7/22/1999 6/25/2002
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