| Weiss Ratings |
United Security Bank
Fresno, CA |
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| Rating | ||||
| Asset Quality Index | 4.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.10 | |||
| Profitability Index | 3.90 | |||
| Stability Index | 9.60 | |||
| Company Info |
United Security Bank
Fresno, CA |
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| FDIC Number | 27132 | |||
| Phone Number | (559) 248-4944 | |||
| Website | www.unitedsecuritybank.com | |||
| Asset Quality |
United Security Bank
Fresno, CA |
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| 1-Year Asset Growth | -0.50% | |||
| 5-Year Asset Growth | 5.36% | |||
| 5-Year Charge-Offs to Average Loans | 0.23% | |||
| Charge-Offs to Average Loans | 0.86% | |||
| Non-Performing Assets to Assets | 1.09% | |||
| Non-Performing Loans to Capital | 5.83% | |||
| Non-Performing Loans to Loans | 1.39% | |||
| Balance Sheet |
United Security Bank
Fresno, CA |
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| Total Assets | 1.21B | |||
| Total Deposits | 1.06B | |||
| Capital and Reserves |
United Security Bank
Fresno, CA |
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| Capital | 140.84M | |||
| Leverage Ratio | 12.56 | |||
| Loan Loss Reserves to Loans | 1.69% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
United Security Bank
Fresno, CA |
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| Hot Money Ratio | 5.86% | |||
| Liquidity Ratio | 11.42% | |||
| Profitability |
United Security Bank
Fresno, CA |
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| 5-Year Return on Average Assets | 1.21% | |||
| Net Income | 5.36M | |||
| Net Interest Spread | 4.35% | |||
| Operating Profit to Average Assets | 1.25% | |||
| Overhead Efficiency Ratio | 56.26% | |||
| Return on Assets | 0.89% | |||
| Return on Equity | 7.59% | |||