UBFO · As filed with the SEC
United Security Bancshares balance sheet, by fiscal year
The statement as United Security Bancshares presents it in its 10-Q and 10-K: its own lines, labels and order. Tables over time lines up standardized figures across every filing.
Consolidated Balance Sheets · USD thousands
| USD thousands | FY2025 Dec 31, 2025 | FY2024 Dec 31, 2024 | FY2023 Dec 31, 2023 | FY2022 Dec 31, 2022 | FY2021 Dec 31, 2021 | FY2020 Dec 31, 2020 | FY2019 Dec 31, 2019 | FY2018 Dec 31, 2018 |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Cash and noninterest-bearing deposits in other banks | — | — | 40,577 | 31,650 | 31,057 | 29,490 | 27,291 | 28,949 |
| Due from Federal Reserve Bank (FRB) | — | — | 207 | 6,945 | 188,162 | 264,579 | 191,704 | 191,388 |
| Cash and cash equivalents | — | 56,211 | 40,784 | 38,595 | 219,219 | 294,069 | 218,995 | 220,337 |
| Cash and cash equivalents | 120,955 | — | — | — | — | — | — | — |
| Investment securities (at fair value) | ||||||||
| Available-for-sale (AFS) debt securities net of allowance for credit losses of $0 (amortized cost of $154,517 and $179,753, respectively) | 139,823 | 157,382 | 181,265 | 207,545 | 178,902 | 82,341 | 76,312 | 66,426 |
| Taxable AFS Securities | 139,823 | — | 179,016 | — | — | — | — | — |
| Tax-exempt municipal bonds | — | — | 2,250 | — | — | — | — | — |
| Marketable equity securities | 3,432 | 3,326 | 3,354 | 3,315 | 3,744 | 3,851 | 3,776 | 3,659 |
| Total investment securities | 143,255 | 160,708 | 184,620 | 210,860 | 182,646 | — | 80,088 | 70,085 |
| Loans | — | — | — | — | — | — | — | 587,933 |
| Loans | — | — | — | — | — | — | 597,374 | — |
| Loans | — | — | — | 981,772 | 869,314 | 655,411 | — | — |
| Unearned fees and unamortized loan origination costs - net | — | — | — | (1,594) | 2,219 | (1,064) | (820) | (119) |
| Allowance for credit losses | — | — | — | — | — | — | (7,908) | (8,395) |
| Net loans | — | — | — | — | — | — | 588,646 | 579,419 |
| Premises and equipment - net | — | — | — | — | — | — | 9,380 | 9,837 |
| Loans | 917,528 | 930,244 | 921,341 | — | — | — | — | — |
| Unearned fees and unamortized loan origination costs - net | (2,101) | (1,782) | 1,299 | — | — | — | — | — |
| Allowance for credit losses - loans | (14,838) | (16,046) | (15,658) | (10,182) | (9,333) | (8,522) | — | — |
| Net loans | 900,589 | 912,416 | 904,384 | 969,996 | 862,200 | 645,825 | — | — |
| Premises and equipment - net | 9,434 | 8,668 | 9,098 | 9,770 | 8,950 | 9,110 | — | — |
| Accrued interest receivable | 7,160 | 8,104 | 7,928 | 8,489 | 7,530 | 8,164 | 8,208 | 8,341 |
| Other real estate owned (“OREO”) | 8,185 | 4,582 | 4,582 | 4,582 | 4,582 | 5,004 | 6,753 | 5,745 |
| Goodwill | 4,488 | 4,488 | 4,488 | 4,488 | 4,488 | 4,488 | 4,488 | 4,488 |
| Deferred tax assets - net | — | — | — | — | — | — | — | 3,174 |
| Deferred tax assets - net | 12,076 | 14,419 | 14,055 | 12,825 | 3,615 | 2,907 | 3,191 | — |
| Cash surrender value of life insurance - net | 21,253 | 20,692 | 21,954 | 22,893 | 22,338 | 20,715 | 20,955 | 20,244 |
| Investment in limited partnerships | — | — | — | — | — | — | — | 1,911 |
| Investment in limited partnerships | 4,275 | 4,275 | 3,200 | — | — | — | — | — |
| Operating lease right-of-use assets | 3,190 | 3,069 | 1,338 | 1,984 | 2,594 | 2,864 | 3,360 | — |
| Other assets | 13,453 | 14,086 | 14,614 | 14,711 | 12,782 | 13,316 | 12,855 | 9,477 |
| Total assets | 1,248,313 | 1,211,718 | 1,211,045 | 1,299,193 | 1,330,944 | 1,092,654 | 956,919 | 933,058 |
| Liabilities & Shareholders’ Equity | ||||||||
| Liabilities | ||||||||
| Deposits | ||||||||
| Noninterest-bearing | 421,897 | 360,152 | 403,225 | 481,629 | 476,749 | 391,897 | 311,950 | 292,720 |
| Interest-bearing | 666,883 | 697,470 | 601,252 | 683,855 | 711,357 | 560,754 | 506,412 | 512,923 |
| Total deposits | 1,088,780 | 1,057,622 | 1,004,477 | 1,165,484 | 1,188,106 | 952,651 | 818,362 | 805,643 |
| Accrued interest payable | — | — | — | — | — | — | 59 | 57 |
| Short-term borrowings | — | 0 | 62,000 | — | — | — | — | — |
| Operating lease liabilities | 3,355 | 3,161 | 1,437 | 2,093 | 2,705 | 2,967 | 3,463 | — |
| Other liabilities | — | — | — | — | 8,737 | — | — | — |
| Other liabilities | 10,199 | 9,001 | 9,376 | 8,270 | — | 8,305 | 8,239 | 7,963 |
| Junior subordinated debentures (at fair value) | 6,296 | 11,572 | 11,213 | 10,883 | 11,189 | 10,924 | 10,808 | 10,155 |
| Total liabilities | 1,108,630 | 1,081,356 | 1,088,503 | 1,186,730 | 1,210,737 | 974,847 | 840,931 | 823,818 |
| Shareholders’ Equity | ||||||||
| Common stock, no par value; 20,000,000 shares authorized; issued and outstanding: 17,582,116 at December 31, 2025 and 17,364,894 at December 31, 2024 | 62,236 | 61,267 | 60,585 | 60,030 | 59,636 | 59,397 | 58,973 | 58,624 |
| Retained earnings | 87,324 | 83,447 | 76,995 | 69,928 | 61,745 | 59,138 | 57,647 | 49,942 |
| Accumulated other comprehensive loss, net of tax | (9,877) | (14,352) | (15,038) | (17,495) | (1,174) | (728) | (632) | 674 |
| Total shareholders’ equity | 139,683 | 130,362 | 122,542 | 112,463 | 120,207 | 117,807 | 115,988 | 109,240 |
| Total liabilities and shareholders’ equity | 1,248,313 | 1,211,718 | 1,211,045 | 1,299,193 | 1,330,944 | 1,092,654 | 956,919 | 933,058 |
As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.