United Security Bancshares (UBFO): Marketing Mix Analysis [Dec-2025 Updated]

You're digging into United Security Bancshares' playbook as we head into 2026, trying to map their real-world performance against their strategy. Honestly, after years analyzing these regional players, their late 2025 story is about disciplined local focus: they're banking on their 13 California branches and a strong $4.0 million Q3 net income to drive growth. We're breaking down their entire marketing mix-Product, Place, Promotion, and Price-to show you exactly how their 4.35% Net Interest Margin and relationship-driven approach translate into shareholder value. You'll want to see the specifics below.

United Security Bancshares (UBFO) - Marketing Mix: Product

You're looking at the core offerings United Security Bancshares provides its clients as of late 2025. The product element here is entirely service-based, centered on community banking for businesses and professionals in the Pacific Northwest.

The foundation of United Security Bancshares' product line is core commercial banking for businesses and professionals. This is where the bank focuses its primary relationship-building efforts. The success of this focus is reflected in the balance sheet; as of the third quarter of 2025, total deposits reached $1.08 billion.

The lending side showcases a diverse lending portfolio, which is the main revenue driver, with interest income from loans and investment securities being the primary source of revenue. Total loans on the books grew to $958.3 million by the end of Q3 2025. The portfolio is heavily weighted toward real estate, but commercial and industrial lending remains a significant component.

The percentages above are calculated based on the sum of the three listed segments, which totaled $478,617 thousand on that date. You can see the heavy concentration in commercial real estate financing.

For attracting and holding customer funds, United Security Bancshares offers standard deposit products. These include the necessary staples for any community bank relationship:

• Checking accounts for businesses and individuals.
• Savings accounts.
• Money market accounts.
• Certificates of Deposit (CDs).

The bank has actively integrated technology, meaning its digital offerings are key to modern service delivery. You see this in their support for mobile banking capabilities. A specific digital service is Remote Deposit Capture (RDC), which lets you scan checks right from your desk. If you use the RDC scanner service, expect a $30.00 monthly equipment fee per scanner, and all deposits must be submitted before 6:00 p.m. for same-day credit.

Beyond core lending and deposits, United Security Bancshares provides several ancillary services to deepen client relationships and manage liquidity. Cash management and treasury services are designed to help businesses handle their financial operations more smoothly. The e-Business Solution suite includes features like Wire Transfer, Bill Payment, and ACH (Automatic Clearing House) Origination. For ACH Origination, the fee structure is specific: $.25 cent per template transaction or $10.00 per file transaction, with a 3:00 p.m. deadline. Positive Pay, a fraud protection service, carries a $18.00 monthly fee with a 12:00 pm review deadline. Wealth management services are also part of the product suite offered to customers.

United Security Bancshares (UBFO) - Marketing Mix: Place

You're looking at how United Security Bancshares (UBFO) gets its banking services into the hands of its customers. For a community bank, Place is all about physical proximity and local trust, layered with modern digital access.

The physical footprint of United Security Bancshares is intentionally concentrated to serve its core market deeply. As of late 2025 data, the bank operates a total of 13 full-service branches alongside three dedicated loan centers. This structure supports a business model focused on local relationship banking. The bank also maintains several ATMs to support transactional needs across its service area.

The primary market focus remains the Central San Joaquin Valley, which is where the majority of the physical distribution points are located. This strategy reinforces its identity as a community bank deeply embedded in the local economy. The bank's service area spans key counties, allowing for localized lending expertise.

United Security Bancshares is headquartered in Fresno, California, which anchors its operational and community presence. This location is central to managing the network of branches and loan centers.

The distribution network covers specific counties that make up its operational footprint. Here's a look at the counties served by the branch network:

To be fair, the physical network is supplemented by digital channels, which extend reach beyond the immediate geographic area of the Central San Joaquin Valley. Customers use mobile banking and online banking services to manage accounts, pay bills, and conduct transactions remotely. This hybrid approach balances the need for face-to-face community interaction with the efficiency of modern digital delivery.

The scale of the operation supporting this distribution network is substantial; as of September 30, 2025, United Security Bancshares reported total assets of more than $1 billion. The trailing twelve-month revenue leading up to that date was $52.6M.

The specific locations served by the 13 branches include:

• Fresno
• Bakersfield
• Campbell
• Caruthers
• Coalinga
• Firebaugh
• Fowler
• Mendota
• Oakhurst
• San Joaquin
• Taft

United Security Bancshares (UBFO) - Marketing Mix: Promotion

You're looking at how United Security Bancshares communicates its value proposition to both customers and investors as of late 2025. The promotion strategy for United Security Bancshares (UBFO) is deeply rooted in reinforcing its identity as a community-focused financial institution, which is a key differentiator against larger, less localized competitors.

The core promotional strategy is clearly aimed at increasing market share within existing local communities. This isn't about broad national advertising; it's about deep, local penetration. Communication efforts highlight the community bank model, emphasizing local decision-making and the promise of superior, relationship-based service. This message is crucial for attracting and retaining business clients who value direct access to lending authorities.

Investor relations (IR) serves as a key communication channel for demonstrating growth and stability to the market. Public reporting of strong financial performance is a deliberate promotional tactic aimed at building and maintaining investor confidence. For instance, United Security Bancshares publicly reported a strong Q3 2025 net income of \$4.0 million. This figure, released on October 16, 2025, signals operational success and capital strength to the investment community.

United Security Bancshares leverages its expertise in commercial real estate lending as a defintely strong differentiator in its promotional messaging to commercial clients. The bank operates dedicated Commercial Real Estate Construction and Commercial Lending departments, signaling specialized focus. This expertise is promoted alongside the overall strength of the balance sheet, which supports continued lending activity.

To support the narrative of stability and growth communicated through IR, here are some key financial figures from the Q3 2025 report:

The physical presence and local commitment are also promotional assets. United Security Bank operates 13 full-service branch offices across Fresno, Madera, Kern, and Santa Clara counties. This network supports the community bank messaging. Furthermore, communication to shareholders often includes details on capital management, such as the partial redemption of \$3.0 million on junior subordinated debentures on July 1, 2025, which signals proactive balance sheet management.

The promotion of shareholder value is also evident in direct shareholder communications, such as the declaration of a quarterly cash dividend of \$0.12 per share on September 24, 2025. This regular distribution reinforces the bank's commitment to returning value. The stock, trading on NASDAQ under the ticker UBFO, was quoted at \$10.02 as of December 3, 2025, providing a tangible metric for investor confidence.

The promotional focus can be summarized by the key areas of communication:

• Emphasizing local decision-making and service quality.
• Highlighting commercial real estate lending specialization.
• Disseminating strong financial results like the \$4.0 million Q3 2025 net income.
• Communicating shareholder returns via dividends, such as the \$0.12 per share declaration.
• Maintaining an active Investor Relations portal with quarterly reports and SEC filings.

United Security Bancshares (UBFO) - Marketing Mix: Price

Price for United Security Bancshares (UBFO) is fundamentally anchored in the efficiency of its balance sheet management, reflecting competitive positioning in the Pacific Northwest banking market. This involves setting rates that attract deposits while maximizing the spread earned on its loan portfolio.

The core profitability metric, the Net Interest Margin (NIM), demonstrates pricing effectiveness. United Security Bancshares maintained a strong NIM of 4.35% as of Q3 2025. This strong margin is supported by effective management of funding costs, as the annualized average cost of deposits decreased to 1.12% in Q3 2025. The bank's ability to generate this spread while growing its asset base suggests its loan pricing is competitive yet profitable.

Evidence of competitive loan pricing is seen in asset growth. The loan portfolio grew by $30.0 million in 2025 compared to the end of 2024. This growth, achieved while managing credit quality, indicates that the rates offered on commercial, residential, and consumer lending solutions are attractive to the target market.

For shareholders, the price of ownership includes the return via dividends. United Security Bancshares offers a regular quarterly cash dividend of $0.12 per share. Based on this, the implied annual dividend is $0.48 per share. The pricing structure for customers balances these competitive lending rates with the value derived from relationship banking services.

Here's a quick look at key pricing and return metrics from the Q3 2025 period:

The overall pricing strategy reflects a focus on maintaining a healthy spread between what United Security Bancshares pays for funds and what it earns on assets. This is further supported by the following operational data points:

• Net interest income increased 5.1% year-over-year in Q3 2025.
• The cost of funds was down to 1.13% in Q3 2025.
• The company executed a partial redemption of junior subordinated debentures for $3.0 million on July 1, 2025.
• The latest declared dividend of $0.12 per share was payable on October 21, 2025.

The pricing structure balances competitive rates with a focus on relationship banking value, which is essential for a community bank like United Security Bancshares. If onboarding takes 14+ days, churn risk rises, so quick, relationship-based pricing helps secure deposits and loans. Finance: draft 13-week cash view by Friday.