| Weiss Ratings |
United Security Bank
Fresno, CA |
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| Rating | ||||
| Asset Quality Index | 5.10 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.20 | |||
| Profitability Index | 4.30 | |||
| 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 | -1.58% | |||
| 5-Year Asset Growth | 5.36% | |||
| 5-Year Charge-Offs to Average Loans | 0.23% | |||
| Charge-Offs to Average Loans | 0.66% | |||
| Non-Performing Assets to Assets | 0.99% | |||
| Non-Performing Loans to Capital | 3.77% | |||
| Non-Performing Loans to Loans | 1.27% | |||
| Balance Sheet |
United Security Bank
Fresno, CA |
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| Total Assets | 1.24B | |||
| Total Deposits | 1.08B | |||
| Capital and Reserves |
United Security Bank
Fresno, CA |
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| Capital | 141.12M | |||
| Leverage Ratio | 12.11 | |||
| Loan Loss Reserves to Loans | 1.69% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
United Security Bank
Fresno, CA |
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| Hot Money Ratio | 5.71% | |||
| Liquidity Ratio | 12.37% | |||
| Profitability |
United Security Bank
Fresno, CA |
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| 5-Year Return on Average Assets | 1.21% | |||
| Net Income | 9.38M | |||
| Net Interest Spread | 4.34% | |||
| Operating Profit to Average Assets | 1.45% | |||
| Overhead Efficiency Ratio | 55.02% | |||
| Return on Assets | 1.03% | |||
| Return on Equity | 8.86% | |||