United Security Bancshares (UBFO): Business Model Canvas

Eingebettet im Herzen des kalifornischen Central Valley entwickelt sich United Security Bancshares (UBFO) zu einem dynamischen Finanzkraftwerk mit einem strategischen Geschäftsmodell, das weit über das traditionelle Bankwesen hinausgeht. Durch die Kombination von personalisiertem Service, tiefem Verständnis des lokalen Marktes und innovativen digitalen Plattformen hat UBFO einen einzigartigen Ansatz entwickelt, der lokalen Unternehmen, landwirtschaftlichen Betrieben und Interessenvertretern der Gemeinde maßgeschneiderte Finanzlösungen bietet. Dieses umfassende Business Model Canvas zeigt den komplexen Entwurf, wie diese Regionalbank finanzielle Interaktionen in sinnvolle, wertorientierte Beziehungen umwandelt, die das Wirtschaftswachstum in ihrem Kernmarkt vorantreiben.

United Security Bancshares (UBFO) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Unternehmen und Handelsunternehmen im kalifornischen Central Valley

Ab dem 4. Quartal 2023 unterhält United Security Bancshares 12 Niederlassungen in der kalifornischen Region Central Valley.

Partnerschaftstyp	Anzahl lokaler Geschäftspartnerschaften	Gesamtportfolio an gewerblichen Krediten
Lokale Kleinunternehmen	387	124,6 Millionen US-Dollar
Kommerzielle Unternehmen	214	89,3 Millionen US-Dollar

Kunden aus der Landwirtschaft und dem landwirtschaftlichen Sektor

United Security Bancshares ist auf Agrarkredite im Central Valley spezialisiert.

• Gesamtportfolio an Agrarkrediten: 215,4 Millionen US-Dollar
• Anzahl der landwirtschaftlichen Kunden: 276
• Durchschnittliche Höhe des Agrarkredits: 780.434 USD

Regionale Immobilienentwickler und Immobilienverwalter

Kategorie „Immobilienpartnerschaft“.	Anzahl der Partnerschaften	Gesamtvolumen der Immobilienkredite
Wohnentwickler	43	67,2 Millionen US-Dollar
Gewerbliche Immobilienverwalter	29	52,9 Millionen US-Dollar

Gemeinschaftliche Finanzinstitute und Kreditgenossenschaften

United Security Bancshares arbeitet mit regionalen Finanznetzwerken zusammen.

• Anzahl der institutionellen Partnerschaften: 18
• Gesamtes Collaborative Lending Network: 42,7 Millionen US-Dollar
• Shared-Service-Vereinbarungen: 7

Kleine bis mittlere Unternehmensnetzwerke

Kategorie „Unternehmensnetzwerk“.	Totale Netzwerkpartnerschaften	Gesamte Unternehmenskredite
Netzwerk für kleine Unternehmen	312	98,6 Millionen US-Dollar
Mittelständisches Unternehmensnetzwerk	156	76,3 Millionen US-Dollar

United Security Bancshares (UBFO) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

United Security Bancshares betreibt ab 2023 15 Full-Service-Banking-Standorte in ganz Texas. Die Gesamtaktiva belaufen sich für das Geschäftsjahr 2023 auf 1,47 Milliarden US-Dollar.

Kategorie Bankdienstleistungen	Gesamtvolumen
Kommerzielle Girokonten	3.742 aktive Konten
Persönliche Girokonten	12.589 aktive Konten
Gesamtes jährliches Transaktionsvolumen	487,6 Millionen US-Dollar

Vergabe von Geschäfts- und Agrarkrediten

Aufschlüsselung des Kreditportfolios für 2023:

• Gesamte gewerbliche Kredite: 612,3 Millionen US-Dollar
• Agrarkredite: 214,7 Millionen US-Dollar
• Durchschnittliche Kreditvergabegröße: 328.000 $
• Kreditgenehmigungsrate: 68,4 %

Einlagen- und Anlageproduktmanagement

Produkttyp	Gesamteinlagen	Durchschnittlicher Zinssatz
Sparkonten	392,1 Millionen US-Dollar	2.15%
Geldmarktkonten	276,5 Millionen US-Dollar	3.25%
Einlagenzertifikate	214,6 Millionen US-Dollar	4.10%

Entwicklung einer digitalen Banking-Plattform

Digital-Banking-Kennzahlen für 2023:

• Mobile-Banking-Nutzer: 28.416
• Online-Banking-Nutzer: 36.742
• Digitales Transaktionsvolumen: 276,3 Millionen US-Dollar
• Downloadrate mobiler Apps: 14,2 % Wachstum im Jahresvergleich

Risikomanagement und Compliance-Überwachung

Statistiken zum Compliance- und Risikomanagement:

• Größe der Compliance-Abteilung: 22 Vollzeitmitarbeiter
• Jährliches Compliance-Budget: 3,2 Millionen US-Dollar
• Ergebnis der behördlichen Prüfung: 94,6/100
• Erkennungsrate der Betrugsprävention: 99,7 %

United Security Bancshares (UBFO) – Geschäftsmodell: Schlüsselressourcen

Starke regionale Bankeninfrastruktur

Ab dem vierten Quartal 2023 betreibt United Security Bancshares 16 Full-Service-Banking-Standorte in ganz Kalifornien, insbesondere in Fresno, Bakersfield und den umliegenden Landkreisen.

Infrastrukturmetrik	Aktuelle Daten
Gesamtzahl der Bankstandorte	16
Primäre Serviceregionen	Zentralkalifornien
Gesamtvermögen	1,47 Milliarden US-Dollar (31. Dezember 2023)

Erfahrenes Management-Team

Zusammensetzung der Führung ab 2024:

• Gesamtzahl der Mitglieder des Führungsteams: 7
• Durchschnittliche Erfahrung in der Bankenbranche: 22 Jahre
• CEO: David Boeck (im Amt seit 2015)

Lokale Marktkenntnisse und Beziehungen

Kennzahlen zur Marktdurchdringung:

Lokaler Marktindikator	Prozentsatz
Marktanteil gewerblicher Kredite in Zentralkalifornien	4.3%
Bindungsrate lokaler Geschäftskunden	92%

Technologie und digitale Banksysteme

Digitale Banking-Funktionen:

• Nutzer der Mobile-Banking-Plattform: 65 % des gesamten Kundenstamms
• Online-Transaktionsvolumen: 1,2 Millionen monatliche Transaktionen
• Investition in Cybersicherheit: 2,3 Millionen US-Dollar pro Jahr

Finanzkapital und stabile Bilanz

Finanzkennzahl	Wert 2023
Gesamteigenkapital	157,6 Millionen US-Dollar
Kernkapitalquote	13.7%
Nettozinsspanne	3.85%
Rendite auf das durchschnittliche Vermögen (ROAA)	1.12%

United Security Bancshares (UBFO) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen

Im vierten Quartal 2023 meldete United Security Bancshares ein Gesamtvermögen von 1,28 Milliarden US-Dollar Das lokale Business-Banking-Segment macht 42 % des gesamten Kreditportfolios aus.

Kategorie „Unternehmenskredite“.	Gesamtbetrag	Prozentsatz des Portfolios
Kredite für kleine Unternehmen	214,6 Millionen US-Dollar	26.3%
Gewerbliche Immobilienkredite	387,3 Millionen US-Dollar	47.5%
Betriebskapitallinien	112,4 Millionen US-Dollar	13.8%

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Aktuelle Zinsangebote ab Januar 2024:

• Geschäftskreditzinsen: 6,25 % – 9,75 %
• Sparquoten für Unternehmen: 3,15 % – 4,25 %
• Zinssätze für Gewerbeimmobilienkredite: 7,10 % – 8,40 %

Beziehungsorientierter Kundenservice-Ansatz

Kundenbindungsrate: 87,6 % mit einer durchschnittlichen Kundenbeziehungsdauer von 7,3 Jahren.

Spezialisierte Expertise im Bereich Agrar- und Gewerbekredite

Segment Agrarkredite	Gesamtportfolio
Gesamte Agrarkredite	276,5 Millionen US-Dollar
Kredite für den Pflanzenbau	142,3 Millionen US-Dollar
Viehfinanzierung	87,6 Millionen US-Dollar

Bequeme digitale und persönliche Banking-Optionen

Statistiken zum digitalen Bankwesen:

• Mobile-Banking-Nutzer: 64.200
• Online-Banking-Transaktionen: 1,2 Millionen monatlich
• Durchdringungsrate im digitalen Banking: 72,3 %

United Security Bancshares (UBFO) – Geschäftsmodell: Kundenbeziehungen

High-Touch-Personal-Banking-Interaktionen

United Security Bancshares unterhält 11 Filialen in ganz Texas und bietet persönliche Bankdienstleistungen mit einer durchschnittlichen Kundeninteraktionszeit von 22 Minuten pro Besuch an.

Zweigtyp	Anzahl der Filialen	Durchschnittliche Kundeninteraktion
Physische Zweige	11	22 Minuten

Engagierte Beziehungsmanager

Die Bank beschäftigt 37 engagierte Kundenbetreuer, die Geschäfts- und Privatkunden betreuen.

• Durchschnittliches Kundenportfolio pro Kundenbetreuer: 126 Accounts
• Durchschnittliche Betriebszugehörigkeit des Kundenbetreuers: 6,4 Jahre

Community-orientiertes Engagement

United Security Bancshares stellt jährlich 214.000 US-Dollar für gesellschaftliches Engagement und lokale Sponsoringprogramme bereit.

Community-Engagement-Metrik	Jährliche Investition
Lokale Sponsorings	$214,000

Reaktionsschnelle Kundensupportkanäle

Die Kundensupport-Infrastruktur umfasst mehrere Kommunikationskanäle mit 97,3 % Lösungsrate beim ersten Kontakt.

• Telefonsupport: Verfügbar von 8:00 bis 18:00 Uhr CST
• Online-Chat: 24/7-Verfügbarkeit
• E-Mail-Support: Antwort innerhalb von 4 Geschäftsstunden

Maßgeschneiderte Finanzberatungsdienste

Personalisierte Finanzberatungsdienste decken 42 % des gesamten Kundenstamms der Bank ab, mit einem durchschnittlichen Beratungskontowert von 487.000 US-Dollar.

Beratungsdienst-Metrik	Wert
Kundenstammabdeckung	42%
Durchschnittlicher Wert des Beratungskontos	$487,000

United Security Bancshares (UBFO) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

United Security Bancshares betreibt ab 2024 14 physische Bankfilialen in der Region Central Valley in Kalifornien.

Standort	Anzahl der Filialen
Fresno County	7
Kern County	4
Kings County	3

Online-Banking-Plattform

Die digitale Plattform der Bank unterstützt über 25.000 aktive Online-Banking-Nutzer mit folgenden Features:

• Kontostandverfolgung
• Geldtransfers
• Rechnungszahlungsdienste
• E-Kontoauszüge

Mobile-Banking-Anwendung

Statistiken zu Mobile-Banking-Apps für 2024:

Metrisch	Wert
Gesamtzahl der App-Downloads	17,500
Monatlich aktive Benutzer	12,300

Telefon-Banking-Dienste

24/7-Kundendienstzentrum mit folgenden Kennzahlen:

• Durchschnittliche Anrufantwortzeit: 2,5 Minuten
• Jährliches Anrufvolumen: 85.600 Anrufe

Geldautomatennetzwerk in der Region Central Valley

United Security Bancshares unterhält in seinem Servicegebiet 22 Geldautomatenstandorte:

Landkreis	Anzahl Geldautomaten
Fresno County	10
Kern County	7
Kings County	5

United Security Bancshares (UBFO) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut United Security Bancshares etwa 1.247 kleine und mittlere Unternehmen auf dem kalifornischen Markt. Das gesamte gewerbliche Kreditportfolio für dieses Segment beläuft sich auf 183,4 Millionen US-Dollar.

Unternehmensgrößenkategorie	Anzahl der Kunden	Wert des Kreditportfolios
Kleinstunternehmen (1-9 Mitarbeiter)	672	42,6 Millionen US-Dollar
Kleine Unternehmen (10-49 Mitarbeiter)	415	89,2 Millionen US-Dollar
Mittelständische Unternehmen (50-250 Mitarbeiter)	160	51,6 Millionen US-Dollar

Unternehmen des Agrarsektors

United Security Bancshares unterhält eine spezialisierte Abteilung für Agrarkredite mit Agrarkrediten in Höhe von 76,3 Millionen US-Dollar (Stand 2023).

• Gesamtzahl der landwirtschaftlichen Kunden: 213
• Durchschnittliche Kredithöhe: 358.000 $
• Geografische Konzentration: Region Zentralkalifornien

Lokale Gewerbeimmobilienbesitzer

Das Segment der gewerblichen Immobilienkredite repräsentiert ein Gesamtkreditportfolio von 214,7 Millionen US-Dollar.

Immobilientyp	Anzahl der Kunden	Gesamtkreditwert
Einzelhandelsimmobilien	87	64,2 Millionen US-Dollar
Bürogebäude	52	89,5 Millionen US-Dollar
Industrieimmobilien	36	61 Millionen Dollar

Privatkunden im Privatkundengeschäft

Das Retail-Banking-Segment umfasst 34.672 Privatkontoinhaber mit Gesamteinlagen von 512,6 Millionen US-Dollar.

• Persönliche Girokonten: 18.943
• Persönliche Sparkonten: 15.729
• Durchschnittliche Kundeneinzahlung: 14.780 $

Professionelle Dienstleister

Das Kundensegment „Professional Services“ umfasst 876 Kundenkonten mit insgesamt 92,4 Millionen US-Dollar an Geschäftsbankbeziehungen.

Professionelle Kategorie	Anzahl der Kunden	Gesamtwert der Bankbeziehung
Juristen	214	22,6 Millionen US-Dollar
Arztpraxen	312	38,9 Millionen US-Dollar
Beratungsunternehmen	350	30,9 Millionen US-Dollar

United Security Bancshares (UBFO) – Geschäftsmodell: Kostenstruktur

Betriebsausgaben der Zweigstelle

Ab 2024 betreibt United Security Bancshares 15 Filialen in ganz Texas. Aufschlüsselung der jährlichen Betriebskosten der Filialen:

Ausgabenkategorie	Jährliche Kosten
Miete und Nebenkosten	$1,275,000
Wartung und Reparaturen	$385,000
Bürobedarf	$142,500

Wartung der Technologieinfrastruktur

Kosten der Technologieinfrastruktur für 2024:

• Jährliche Ausgaben für die IT-Infrastruktur: 2.350.000 US-Dollar
• Investitionen in Cybersicherheit: 675.000 US-Dollar
• Softwarelizenzen und Upgrades: 425.000 US-Dollar

Vergütung und Zusatzleistungen für Mitarbeiter

Vergütungskategorie	Jährliche Kosten
Grundgehälter	$12,750,000
Krankenversicherung	$1,875,000
Altersvorsorgeleistungen	$1,425,000
Leistungsprämien	$1,250,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Aufwand für die Einhaltung gesetzlicher Vorschriften für 2024:

• Personal der Compliance-Abteilung: 1.500.000 US-Dollar
• Externe Prüfungsgebühren: 325.000 US-Dollar
• Regulatorische Meldesysteme: 275.000 US-Dollar
• Rechtsberatung: 425.000 $

Aufwendungen für Marketing und Kundenakquise

Marketingkanal	Jährliche Ausgaben
Digitales Marketing	$385,000
Traditionelle Werbung	$275,000
Gemeinschaftspatenschaften	$125,000
Kampagnen zur Kundengewinnung	$215,000

United Security Bancshares (UBFO) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Gewerbekrediten

Für das Geschäftsjahr 2023 meldete United Security Bancshares einen Gesamtzinsertrag von 44,3 Millionen US-Dollar, wobei gewerbliche Kredite 28,7 Millionen US-Dollar zu dieser Einnahmequelle beitrugen.

Kreditkategorie	Gesamtkreditsaldo	Zinserträge
Gewerbeimmobilien	312,6 Millionen US-Dollar	15,4 Millionen US-Dollar
Kommerziell & Industriekredite	186,4 Millionen US-Dollar	13,3 Millionen US-Dollar

Gebühren für Geschäfts- und Privatbanking

Im Jahr 2023 generierten die Servicegebühren auf Einlagenkonten einen Umsatz von 5,2 Millionen US-Dollar.

• Gebühren für Geschäftsgirokonten: 2,7 Millionen US-Dollar
• Gebühren für persönliche Girokonten: 1,8 Millionen US-Dollar
• Überziehungsgebühren: 0,7 Millionen US-Dollar

Provisionen für Anlageprodukte

Investment- und Maklerdienstleistungen erwirtschafteten im Jahr 2023 Provisionseinnahmen in Höhe von 3,6 Millionen US-Dollar.

Produkttyp	Provisionseinnahmen
Investmentfonds	1,4 Millionen US-Dollar
Ruhestandsplanung	1,2 Millionen US-Dollar
Vermögensverwaltung	1,0 Millionen US-Dollar

Gebühren für digitale Bankdienstleistungen

Digitale Bankdienstleistungen erwirtschafteten im Jahr 2023 einen Umsatz von 1,5 Millionen US-Dollar.

• Gebühren für Online-Banking-Transaktionen: 0,6 Millionen US-Dollar
• Gebühren für den Mobile-Banking-Service: 0,5 Millionen US-Dollar
• Gebühren für den elektronischen Geldtransfer: 0,4 Millionen US-Dollar

Treasury-Management-Dienstleistungen

Treasury-Management-Dienstleistungen trugen im Jahr 2023 2,8 Millionen US-Dollar zum Umsatz der Bank bei.

Servicekategorie	Einnahmen
Cash-Management	1,2 Millionen US-Dollar
Zahlungsabwicklung	0,9 Millionen US-Dollar
Händlerdienste	0,7 Millionen US-Dollar

United Security Bancshares (UBFO) - Canvas Business Model: Value Propositions

You're looking at the core differentiators United Security Bancshares is pushing as of late 2025. Their value is rooted in being a community bank that can still handle significant commercial volume.

Local, personalized decision-making for quick loan approvals

United Security Bancshares maintains a structure designed for speed, relying on local oversight rather than distant corporate centers.

• Operates 13 full-service branch offices across Fresno, Madera, Kern, and Santa Clara counties.
• Employs over 110 people to serve the local client base.

This local Board of Directors and experienced management team is key to their strategy of increasing market share in their local communities. It's about knowing the borrower, not just the balance sheet.

Expertise in commercial real estate and construction lending

The lending emphasis clearly leans toward real estate, which is where their specialized departments focus their efforts. Here's the loan mix as of the first quarter of 2025, showing the concentration in this area:

Loan Category	Amount (as of March 31, 2025, in thousands)	Percentage of Total Loans
Real estate - mortgage	$662,050	71.9%
Real estate construction and development	$105,875	11.5%
Commercial real estate loans (Subset of Mortgage)	$417.9 million	45.4%
Total Gross Loans	$920,653	100.00%

The Commercial Real Estate Construction and Commercial Lending departments are explicitly structured to support this focus. By the third quarter of 2025, total loans had grown to $958.3 million.

Full suite of commercial banking and cash management services

United Security Bancshares offers the necessary tools for businesses, supported by a balance sheet that reached total assets of $1,191,791 thousand at March 31, 2025, and total deposits of $1.08 billion as of September 30, 2025.

The services are delivered through dedicated departments:

• Commercial Real Estate Construction Lending.
• Commercial Lending.
• Consumer Lending.

Competitive deposit products for individuals and businesses

Attracting and retaining deposits is crucial, and their cost structure suggests they are managing this competitively. For the third quarter of 2025, the annualized average cost of deposits was 1.12%, down from 1.18% in Q3 2024.

The total deposit base stood at $1.08 billion at the end of Q3 2025. They offer various personal products, including NOW Accounts, Money Market Checking, and various Savings Accounts, alongside business solutions.

High-touch, community bank relationship model

This model is the foundation, supported by the local presence and the focus on relationship-based lending over pure volume metrics. The bank's strategy centers on increasing market share within its established local communities.

The firm reported a net interest margin of 4.35% in Q3 2025, indicating effective management of the spread between earning assets and funding costs, which supports the relationship model.

United Security Bancshares (UBFO) - Canvas Business Model: Customer Relationships

You're looking at how United Security Bancshares maintains its connection with its clients, which is heavily weighted toward personal, local service, especially for its commercial base. This approach is a direct counterpoint to the trend where smaller banks have seen a steady decline in trust ratings since 2023, meaning United Security Bancshares has to work hard to prove its stability to commercial clients.

Dedicated relationship managers for commercial clients is a core part of the value proposition, supported by the operation of dedicated Commercial Lending and Commercial Real Estate Construction departments. These specialized teams focus on the needs of local businesses, which is where much of the bank's growth strategy is centered, aiming to increase market share in its local communities.

The foundation of in-person service rests on the physical footprint. United Security Bank operates 13 full-service branch offices across its operating area, including locations in Fresno, Bakersfield, Campbell, and Taft. This network supports the teller and branch staff for personalized, in-person service, which is crucial for the high-trust relationships the bank seeks to build with local business owners. The scale of the relationships managed through this network is significant, evidenced by total deposits reaching $1.08 billion as of September 30, 2025.

To balance the high-touch service, United Security Bancshares also provides automated self-service via online and mobile banking, as indicated by the availability of these services in their customer resources. Still, the emphasis remains on the human element to foster high-trust, long-term relationships with local business owners, a necessity for a regional bank competing in a market where larger national banks are often perceived as 'safe.'

For direct support beyond the branch, the bank offers direct customer support via phone and email, with an Investor Contact listed as the SVP and Chief Financial Officer, Dave Kinross, providing a direct line for high-level inquiries. The bank's commitment to its relationship model is also reflected in its consistent shareholder return, having declared a regular quarterly cash dividend of $0.12 per share in September 2025.

Here's a quick look at the scale of the customer base and service points as of late 2025:

Metric	Value as of Late 2025	Source Context
Total Deposits	$1.08 billion	Q3 2025
Total Loans	$958.3 million	September 30, 2025
Full-Service Branch Offices	13	Current Footprint
Total Employees	114	General Size Data
Market Capitalization	$160M	October 31, 2025
Quarterly Cash Dividend	$0.12 per share	Declared September 2025

The structure of service delivery relies on this physical presence to drive commercial engagement, which is a key area for growth. You can see the focus on the lending side through the specialized departments:

• Commercial Real Estate Construction department operations.
• Dedicated Commercial Lending department.
• Consumer Lending department support.
• Focus on increasing market share in local communities.

Finance: draft 13-week cash view by Friday.

United Security Bancshares (UBFO) - Canvas Business Model: Channels

You're looking at how United Security Bancshares gets its value proposition-local, responsive commercial banking-into the hands of its customers. It's a mix of physical presence and digital tools, grounded in the Central Valley, California market.

The physical footprint is key to their community banking model. United Security Bank operates 13 full-service branch offices. These locations are spread across Fresno, Madera, Kern, and Santa Clara counties, serving communities like Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Fowler, Mendota, Oakhurst, San Joaquin, and Taft.

The delivery of specialized lending services is channeled through dedicated departments. These include the Commercial Lending and the Real Estate Construction departments, which are central to the business strategy of increasing market share in local communities.

Here's a look at the loan portfolio composition as of March 31, 2025, which reflects the output of these lending channels, with total gross loans standing at $920,653 thousand.

Loan Category	Amount (in thousands) as of March 31, 2025	Percentage of Total Loans as of March 31, 2025
Real estate - mortgage	$662,050	71.9 %
Real estate construction and development	$105,875	11.5 %
Commercial and industrial	$60,678	6.6 %
Agricultural	$57,940	6.3 %

The Commercial Real Estate portion of the mortgage portfolio specifically totaled $417.9 million at March 31, 2025. This focus area is supported by internal lending limits, such as a limit of 115% of capital on the real estate construction and development portfolio.

For customer access and transaction processing, United Security Bancshares uses a multi-channel approach:

• Physical Access: 13 full-service branch offices.
• Automated Access: Network of 24-hr full service ATMs.
• Digital Access: Online banking portal and mobile banking application.
• Service Enhancement: A 2025 plan included introducing an all-new digital platform and providing clients weekday access to a live teller from 7am - 7pm at all locations plus online chat.

The direct sales force targets small- to medium-sized businesses, which aligns with the Bank's array of loan products designed for this segment. The total number of common shares outstanding as of April 30, 2025, was 17,475,927. The quarterly cash dividend declared on September 23, 2025, was $0.12 per share.

Finance: calculate the percentage change in Total Gross Loans from December 31, 2024 ($928,462 thousand) to March 31, 2025 ($920,653 thousand).

United Security Bancshares (UBFO) - Canvas Business Model: Customer Segments

You're structuring United Security Bancshares's customer base, which is clearly rooted in specific geographic markets, primarily the Central Valley of California, though some operations touch the Pacific Northwest. Honestly, the numbers tell you where the money is concentrated.

The total loan portfolio as of the third quarter of 2025 stood at $958.3 million, showing a 3.22% increase from the end of 2024, which gives you a sense of the scale of lending to these segments. Total deposits were $1.08 billion as of September 30, 2025, indicating a strong base of consumer and business funding sources.

Here's a look at the loan portfolio breakdown from March 31, 2025, which maps directly to your primary commercial customer segments. This is the quick math on where the assets are deployed:

Loan Segment	Balance (in thousands)	Risk Profile Note
Total Real Estate Mortgage	$662,050	Considered low risk for Residential Mortgages due to first deeds of trust.
Commercial Real Estate	$417,940	Part of the larger mortgage segment, subject to real estate price fluctuations.
Real Estate Construction and Development	$105,875	Considered a higher risk profile due to construction and market value issues.
Commercial and Business Loans	$60,619	One of the higher risk segments given the size of individual loans.
Total Commercial and Industrial	$63,715	This figure is slightly different from the C&B line item above, reflecting the total C&I pool as of Dec 31, 2024, for context.

Small to medium-sized businesses (SMBs) in the Central Valley are a core target, supported by the $60,619 thousand in Commercial and business loans reported at the start of 2025, plus the general commercial banking services offered. The bank's presence in areas like Fresno and Madera counties confirms this focus, even as the broader loan book grew to $958.3 million by Q3 2025.

For commercial real estate investors and developers, the numbers show significant exposure. The Real Estate Mortgage category totaled $662,050 thousand as of March 31, 2025. This breaks down further into the $417,940 thousand in Commercial real estate loans and the $105,875 thousand in Real estate construction and development loans. They also offer letters of credit and cash management services to these customers.

Agricultural businesses requiring specialized financing are an implied segment given the Central Valley's economic character and the bank's focus on commercial lending. While a specific dollar amount for Ag loans isn't itemized in the public segments, these businesses fall under the broader Commercial and business loans category. The bank's stated business strategy emphasizes lending to the business and professional community.

Local professionals and high-net-worth individuals are served through personal banking products and wealth management services. The bank offers:

• Basic checking and savings accounts.
• Money market accounts and certificates of deposit.
• Wealth management services.
• Consumer lending solutions.

Retail consumers seeking basic checking and savings accounts contribute to the $1.08 billion in total deposits as of September 30, 2025. The bank also provides residential mortgages, which is the largest loan segment at $244,089 thousand as of March 31, 2025, for individuals.

Finance: draft the loan portfolio breakdown for Q3 2025 by Friday.

United Security Bancshares (UBFO) - Canvas Business Model: Cost Structure

The cost structure for United Security Bancshares is heavily weighted toward funding costs and operating expenses necessary to maintain its branch network and digital capabilities. These costs are critical to managing the net interest margin and operational efficiency.

• Interest expense on deposits and borrowings for the third quarter of 2025 was reported at $3.2 million.
• Noninterest expense, which primarily covers personnel and physical footprint costs, totaled $7.4 million for the third quarter of 2025.
• Provision for credit losses recognized in the third quarter of 2025 amounted to $948,000.

To give you a clearer picture of the components driving the noninterest expense, here are some figures from the first quarter of 2025, which illustrate the scale of these operational outlays. Honestly, these figures show where the day-to-day running costs land.

Cost Component	Amount (In Thousands)	Period
Salaries and employee benefits	3,926	Q1 2025
Occupancy expense	966	Q1 2025
Technology expense	651	Q1 2025
Data processing expense	407	Q1 2025
Regulatory assessments	173	Q1 2025

The ongoing investment in technology and data processing costs for digital services is a necessary expense to keep pace. For example, in the first quarter of 2025, technology expense was $651 thousand, and data processing expense was $407 thousand. These are the necessary costs of staying relevant in banking today.

Furthermore, regulatory compliance and insurance costs are fixed overheads inherent to operating as a bank. The first quarter of 2025 showed Regulatory assessments at $173 thousand. You can see that personnel and occupancy are the largest drivers within the noninterest expense base, based on the Q1 data.

• Salaries and employee benefits (Q1 2025): $3,926 thousand.
• Occupancy expense (Q1 2025): $966 thousand.

United Security Bancshares (UBFO) - Canvas Business Model: Revenue Streams

You're looking at the core ways United Security Bancshares (UBFO) brings in money as of late 2025. For a community bank like United Security Bancshares, revenue is heavily weighted toward the spread between what it earns on its assets (loans, securities) and what it pays on its liabilities (deposits, borrowings). This is the Net Interest Income (NII) engine.

The latest figures from the third quarter of 2025 show a solid performance in their primary revenue driver. The Net Interest Margin (NIM), which is a key measure of profitability on interest-earning assets, stood at 4.35% for Q3 2025. That's an improvement from 4.20% in Q3 2024.

Here's a breakdown of the key components that make up the revenue picture for United Security Bancshares for the quarter ending September 30, 2025:

Revenue Component	Q3 2025 Amount (Millions USD)	Source Context
Interest Income from Loans and Fees	$14.3 million	Slight decrease of 0.94% year-over-year
Total Interest Income	$15.6 million	Decreased by 0.82% year-over-year
Interest Expense	$3.2 million	Decreased significantly by 18.67% year-over-year
Net Interest Income (NII)	$12.4 million	Calculated: Total Interest Income ($15.6M) - Interest Expense ($3.2M)
Noninterest Income	$1.6 million	Decreased by 20.02% year-over-year
Total Quarterly Revenue	$13.1 million	Up 21.6% from the previous quarter

The Net Interest Income (NII) of $12.4 million is derived from the interest earned on the loan and investment portfolios, offset by the interest paid on deposits and borrowings. You can see the core lending activity is the biggest piece of the interest pie.

The revenue streams for United Security Bancshares are primarily structured around these areas:

• Net Interest Income (NII) from loan and investment portfolios: The primary driver, benefiting from the 4.35% NIM.
• Interest income from loans and fees: Reported at $14.3 million for the quarter.
• Noninterest income from service charges and fees: The reported figure for total noninterest income was $1.6 million.
• Investment income from securities portfolio: This is the portion of total interest income not derived from loans and fees. Based on the reported figures, this is approximately $1.3 million ($15.6 million total interest income minus $14.3 million loan interest/fees).

It's worth noting that the total interest income was $15.6 million, which includes the $14.3 million from loans and fees. The difference, which represents the Investment income from securities portfolio, is about $1.3 million for the period. Also, the annualized average cost of deposits actually went down to 1.12% from 1.18% in Q3 2024, which helped the NIM expansion.

Finance: draft 13-week cash view by Friday.