United Security Bank

BankFresno, California
http://www.unitedsecuritybank.com

Total Assets

$1.2B

Total Deposits

$1.1B

Branches

14

Established

1987

TFS Health Grade

$
D+

69.3 / 100

Below average financial health

How we grade

United Security Bank is a bank headquartered in Fresno, California, established in 1987. With $1.2B in total assets and 14 branch locations, it has a TFS Financial Health Grade of D+ (69.3/100).

Capital & Safety

Tier 1 Capital Ratio
12.40%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.63%

Profitability

Return on Assets (ROA)
1.08%(1%)
Return on Equity (ROE)
9.31%(10%)
Net Interest Margin
4.48%
Efficiency Ratio
56.11%(60%)

Lending & Liquidity

Total Loans
$915.4M
Loan-to-Deposit Ratio
82.47%
Net Charge-Off Ratio
0.65%

Growth

Asset Growth (YoY)
+2.92%
Deposit Growth (YoY)
+2.97%
Net Income
$13.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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