United Security Bancshares (UBFO): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Ubicado en el corazón del Valle Central de California, United Security Bancshares (UBFO) emerge como una potencia financiera dinámica con un modelo de negocio estratégico que va mucho más allá de la banca tradicional. Al tejer servicio personalizado, una profunda comprensión del mercado local y plataformas digitales innovadoras, UBFO ha creado un enfoque único que capacita a las empresas locales, las empresas agrícolas y las partes interesadas de la comunidad con soluciones financieras a medida. Este lienzo de modelo de negocio integral revela el intrincado plan de cómo este banco regional transforma las interacciones financieras en relaciones significativas e impulsadas por el valor que alimentan el crecimiento económico en su mercado central.

United Security Bancshares (UBFO) - Modelo de negocios: asociaciones clave

Empresas locales y empresas comerciales en el Valle Central de California

A partir del cuarto trimestre de 2023, United Security Bancshares mantiene 12 ubicaciones de sucursales en la región del Valle Central de California.

Tipo de asociación	Número de asociaciones comerciales locales	Cartera total de préstamos comerciales
Pequeñas empresas locales	387	$ 124.6 millones
Empresas comerciales	214	$ 89.3 millones

Clientes del sector agrícola y agrícola

United Security Bancshares se especializa en préstamos agrícolas dentro del valle central.

• Cartera total de préstamos agrícolas: $ 215.4 millones
• Número de clientes agrícolas: 276
• Tamaño promedio del préstamo agrícola: $ 780,434

Desarrolladores de bienes raíces regionales y administradores de propiedades

Categoría de asociación inmobiliaria	Número de asociaciones	Volumen total del préstamo inmobiliario
Desarrolladores residenciales	43	$ 67.2 millones
Administradores de propiedades comerciales	29	$ 52.9 millones

Instituciones financieras comunitarias y cooperativas de crédito

United Security Bancshares colabora con redes financieras regionales.

• Número de asociaciones institucionales: 18
• Red de préstamos colaborativos totales: $ 42.7 millones
• Acuerdos de servicio compartidos: 7

Redes comerciales pequeñas a medianas

Categoría de redes comerciales	Asociaciones de red totales	Préstamos comerciales totales
Red de pequeñas empresas	312	$ 98.6 millones
Red de negocios medianos	156	$ 76.3 millones

United Security Bancshares (UBFO) - Modelo de negocios: actividades clave

Servicios de banca comercial y minorista

United Security Bancshares opera 15 ubicaciones de banca de servicio completo en Texas a partir de 2023. Los activos totales informaron en $ 1.47 mil millones para el año fiscal 2023.

Categoría de servicio bancario	Volumen total
Cuentas corrientes comerciales	3.742 cuentas activas
Cuentas corrientes personales	12,589 cuentas activas
Volumen total de transacción anual	$ 487.6 millones

Originación de préstamos comerciales y agrícolas

Desglose de la cartera de préstamos para 2023:

• Préstamos comerciales totales: $ 612.3 millones
• Préstamos agrícolas: $ 214.7 millones
• Tamaño promedio de origen del préstamo: $ 328,000
• Tasa de aprobación del préstamo: 68.4%

Gestión de productos de depósito e inversión

Tipo de producto	Depósitos totales	Tasa de interés promedio
Cuentas de ahorro	$ 392.1 millones	2.15%
Cuentas del mercado monetario	$ 276.5 millones	3.25%
Certificados de depósito	$ 214.6 millones	4.10%

Desarrollo de la plataforma de banca digital

Métricas de banca digital para 2023:

• Usuarios de banca móvil: 28,416
• Usuarios bancarios en línea: 36,742
• Volumen de transacción digital: $ 276.3 millones
• Tasa de descarga de la aplicación móvil: 14.2% de crecimiento año tras año

Gestión de riesgos y monitoreo de cumplimiento

Estadísticas de cumplimiento y gestión de riesgos:

• Tamaño del departamento de cumplimiento: 22 empleados a tiempo completo
• Presupuesto anual de cumplimiento: $ 3.2 millones
• Puntuación de examen regulatorio: 94.6/100
• Tasa de detección de prevención de fraude: 99.7%

United Security Bancshares (UBFO) - Modelo de negocios: recursos clave

Infraestructura bancaria regional fuerte

A partir del cuarto trimestre de 2023, United Security Bancshares opera 16 ubicaciones bancarias de servicio completo en California, específicamente en los condados de Fresno, Bakersfield y sus alrededores.

Infraestructura métrica	Datos actuales
Ubicaciones bancarias totales	16
Regiones de servicio primario	California central
Activos totales	$ 1.47 mil millones (31 de diciembre de 2023)

Equipo de gestión experimentado

Composición de liderazgo a partir de 2024:

• Miembros del equipo ejecutivo total: 7
• Experiencia de la industria bancaria promedio: 22 años
• CEO: David Boeck (en posición desde 2015)

Conocimiento y relaciones del mercado local

Métricas de penetración del mercado:

Indicador de mercado local	Porcentaje
Cuota de mercado de préstamos comerciales en el centro de California	4.3%
Tasa de retención de clientes comerciales locales	92%

Tecnología y sistemas de banca digital

Capacidades de banca digital:

• Usuarios de la plataforma de banca móvil: 65% de la base total de clientes
• Volumen de transacciones en línea: 1.2 millones de transacciones mensuales
• Inversión de ciberseguridad: $ 2.3 millones anuales

Capital financiero y balance estable

Métrica financiera	Valor 2023
Equidad total	$ 157.6 millones
Relación de capital de nivel 1	13.7%
Margen de interés neto	3.85%
Return en promedio de activos (ROAA)	1.12%

United Security Bancshares (UBFO) - Modelo de negocios: propuestas de valor

Soluciones bancarias personalizadas para empresas locales

A partir del cuarto trimestre de 2023, United Security Bancshares reportó $ 1.28 mil millones en activos totales, con Segmento de banca comercial local que representa el 42% de la cartera de préstamos totales.

Categoría de préstamos comerciales	Cantidad total	Porcentaje de cartera
Préstamos para pequeñas empresas	$ 214.6 millones	26.3%
Préstamos inmobiliarios comerciales	$ 387.3 millones	47.5%
Líneas de capital de trabajo	$ 112.4 millones	13.8%

Tasas de interés competitivas para préstamos y depósitos

Ofertas actuales de tasas de interés a partir de enero de 2024:

• Tasas de préstamo comercial: 6.25% - 9.75%
• Tasas de ahorro de negocios: 3.15% - 4.25%
• Tasas de préstamo inmobiliario comercial: 7.10% - 8.40%

Enfoque de servicio al cliente basado en relaciones

Tasa de retención de clientes: 87.6% con una duración promedio de la relación con el cliente de 7.3 años.

Experiencia especializada en préstamos agrícolas y comerciales

Segmento de préstamos agrícolas	Cartera total
Préstamos agrícolas totales	$ 276.5 millones
Préstamos de producción de cultivos	$ 142.3 millones
Financiamiento de ganado	$ 87.6 millones

Convenientes opciones bancarias digitales y en persona

Estadísticas de banca digital:

• Usuarios de banca móvil: 64,200
• Transacciones bancarias en línea: 1.2 millones mensuales
• Tasa de penetración bancaria digital: 72.3%

United Security Bancshares (UBFO) - Modelo de negocios: relaciones con los clientes

Interacciones bancarias personales de alto contacto

United Security Bancshares mantiene 11 ubicaciones de sucursales en Texas, ofreciendo servicios bancarios en persona con un tiempo promedio de interacción con el cliente de 22 minutos por visita.

Tipo de rama	Número de ramas	Interacción promedio del cliente
Ramas físicas	11	22 minutos

Gerentes de relaciones dedicadas

El banco emplea a 37 gerentes de relaciones dedicados que sirven a clientes de banca comercial y personal.

• Cartera promedio de clientes por gerente de relaciones: 126 cuentas
• Gerente de relaciones TENIR promedio: 6.4 años

Compromiso centrado en la comunidad

United Security Bancshares asigna $ 214,000 anualmente a los programas de participación comunitaria y patrocinio local.

Métrica de compromiso de la comunidad	Inversión anual
Patrocinios locales	$214,000

Canales de atención al cliente receptivos

La infraestructura de atención al cliente incluye múltiples canales de comunicación con Tasa de resolución de primer contacto de 97.3%.

• Soporte telefónico: disponible de 8 a.m. a 6 p.m. CST
• Chat en línea: disponibilidad 24/7
• Soporte por correo electrónico: respuesta dentro de 4 horas hábiles

Servicios de asesoramiento financiero a medida

Los servicios de asesoramiento financiero personalizado cubren el 42% de la base total de clientes del banco, con un valor de cuenta de asesoramiento promedio de $ 487,000.

Métrica de servicio de asesoramiento	Valor
Cobertura de la base de clientes	42%
Valor de la cuenta de asesoramiento promedio	$487,000

United Security Bancshares (UBFO) - Modelo de negocios: canales

Red de sucursales bancarias físicas

United Security Bancshares opera 14 sucursales bancarios físicos en la región del valle central de California a partir de 2024.

Ubicación	Número de ramas
Condado de Fresno	7
Condado de kern	4
Condado de Kings	3

Plataforma bancaria en línea

La plataforma digital del banco admite Más de 25,000 usuarios bancarios en línea activos Con las siguientes características:

• Seguimiento del saldo de la cuenta
• Transferencias de fondos
• Servicios de pago de facturas
• Declaraciones electrónicas

Aplicación de banca móvil

Estadísticas de la aplicación de banca móvil para 2024:

Métrico	Valor
Descargas totales de aplicaciones	17,500
Usuarios activos mensuales	12,300

Servicios de banca telefónica

Centro de atención al cliente 24/7 Con las siguientes métricas:

• Tiempo promedio de respuesta de llamadas: 2.5 minutos
• Volumen anual de llamadas: 85,600 llamadas

Red ATM en la región del Valle Central

United Security Bancshares mantiene 22 ubicaciones de cajeros automáticos en su área de servicio:

Condado	Número de cajeros automáticos
Condado de Fresno	10
Condado de kern	7
Condado de Kings	5

United Security Bancshares (UBFO) - Modelo de negocios: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, United Security Bancshares atiende a aproximadamente 1,247 empresas pequeñas a medianas en el mercado de California. La cartera total de préstamos comerciales para este segmento es de $ 183.4 millones.

Categoría de tamaño del negocio	Número de clientes	Valor de la cartera de préstamos
Micro empresas (1-9 empleados)	672	$ 42.6 millones
Pequeñas empresas (10-49 empleados)	415	$ 89.2 millones
Empresas medianas (50-250 empleados)	160	$ 51.6 millones

Empresas del sector agrícola

United Security Bancshares mantiene una división especializada de préstamos agrícolas con $ 76.3 millones en préstamos agrícolas a partir de 2023.

• Total de clientes agrícolas: 213
• Tamaño promedio del préstamo: $ 358,000
• Concentración geográfica: región central de California

Propietarios de propiedades comerciales locales

El segmento de préstamos inmobiliarios comerciales representa $ 214.7 millones en cartera de préstamos totales.

Tipo de propiedad	Número de clientes	Valor total del préstamo
Propiedades minoristas	87	$ 64.2 millones
Edificios de oficinas	52	$ 89.5 millones
Propiedades industriales	36	$ 61 millones

Clientes de banca minorista individual

El segmento de banca minorista comprende 34,672 titulares de cuentas individuales con depósitos totales de $ 512.6 millones.

• Cuentas corrientes personales: 18,943
• Cuentas de ahorro personal: 15,729
• Depósito promedio del cliente: $ 14,780

Proveedores de servicios profesionales

El segmento de clientes de servicios profesionales incluye 876 cuentas de clientes con $ 92.4 millones en relaciones de banca comercial total.

Categoría profesional	Número de clientes	Valor total de la relación bancaria
Profesionales legales	214	$ 22.6 millones
Prácticas médicas	312	$ 38.9 millones
Empresas consultoras	350	$ 30.9 millones

United Security Bancshares (UBFO) - Modelo de negocio: Estructura de costos

Gastos operativos de rama

A partir de 2024, United Security Bancshares opera 15 ubicaciones de sucursales en Texas. Desglose de gastos operativos de la sucursal anual:

Categoría de gastos	Costo anual
Alquiler y servicios públicos	$1,275,000
Mantenimiento y reparaciones	$385,000
Material de oficina	$142,500

Mantenimiento de la infraestructura tecnológica

Costos de infraestructura tecnológica para 2024:

• Gasto anual de infraestructura de TI: $ 2,350,000
• Inversiones de ciberseguridad: $ 675,000
• Licencias de software y actualizaciones: $ 425,000

Compensación y beneficios de los empleados

Categoría de compensación	Costo anual
Salarios base	$12,750,000
Seguro médico	$1,875,000
Beneficios de jubilación	$1,425,000
Bonos de rendimiento	$1,250,000

Costos de cumplimiento regulatorio

Gastos de cumplimiento regulatorio para 2024:

• SETFORTO DEL DEPARTAMENTO DE CUMPLIMIENTO: $ 1,500,000
• Tarifas de auditoría externa: $ 325,000
• Sistemas de informes regulatorios: $ 275,000
• Consultoría legal: $ 425,000

Gastos de marketing y adquisición de clientes

Canal de marketing	Gasto anual
Marketing digital	$385,000
Publicidad tradicional	$275,000
Patrocinios comunitarios	$125,000
Campañas de adquisición de clientes	$215,000

United Security Bancshares (UBFO) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos comerciales

Para el año fiscal 2023, United Security Bancshares reportó ingresos por intereses totales de $ 44.3 millones, con préstamos comerciales que contribuyen con $ 28.7 millones a este flujo de ingresos.

Categoría de préstamo	Saldo total del préstamo	Ingresos por intereses
Inmobiliario comercial	$ 312.6 millones	$ 15.4 millones
Comercial & Préstamos industriales	$ 186.4 millones	$ 13.3 millones

Tarifas bancarias comerciales y personales

En 2023, los cargos de servicio en cuentas de depósito generaron $ 5.2 millones en ingresos.

• Tarifas de la cuenta corriente de negocios: $ 2.7 millones
• Tarifas de la cuenta corriente personal: $ 1.8 millones
• Tarifas de sobregiro: $ 0.7 millones

Comisiones de productos de inversión

Los servicios de inversión y corretaje produjeron $ 3.6 millones en ingresos por comisión para 2023.

Tipo de producto	Ingresos por comisión
Fondos mutuos	$ 1.4 millones
Planificación de jubilación	$ 1.2 millones
Gestión de patrimonio	$ 1.0 millones

Cargos de servicio bancario digital

Los servicios de banca digital generaron $ 1.5 millones en ingresos para 2023.

• Tarifas de transacción bancaria en línea: $ 0.6 millones
• Cargos de servicio bancario móvil: $ 0.5 millones
• Tasas de transferencia de fondos electrónicos: $ 0.4 millones

Servicios de gestión del tesoro

Treasury Management Services contribuyó con $ 2.8 millones a los ingresos del banco en 2023.

Categoría de servicio	Ganancia
Gestión de efectivo	$ 1.2 millones
Procesamiento de pagos	$ 0.9 millones
Servicios comerciales	$ 0.7 millones

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.