United Security Bancshares (UBFO): Modelo de negócios Canvas [Jan-2025 Atualizado]

Aninhado no coração do vale central da Califórnia, o United Security Bancshares (UBFO) surge como uma potência financeira dinâmica com um modelo de negócios estratégico que vai muito além do setor bancário tradicional. Ao tecer um serviço personalizado juntos, um profundo entendimento do mercado local e plataformas digitais inovadoras, a UBFO criou uma abordagem única que capacita empresas locais, empresas agrícolas e partes interessadas da comunidade com soluções financeiras personalizadas. Esta tela abrangente do modelo de negócios revela o intrincado plano de como esse banco regional transforma as interações financeiras em relacionamentos significativos e orientados por valores que alimentam o crescimento econômico em seu mercado principal.

United Security Bancshares (UBFO) - Modelo de negócios: Parcerias -chave

Empresas e empresas comerciais locais no vale central da Califórnia

A partir do quarto trimestre de 2023, a United Security Bancshares mantém 12 localizações de filiais na região central do vale da Califórnia.

Tipo de parceria	Número de parcerias comerciais locais	Carteira total de empréstimos comerciais
Pequenas empresas locais	387	US $ 124,6 milhões
Empresas comerciais	214	US $ 89,3 milhões

Clientes do setor agrícola e agrícola

A United Security Bancshares é especializada em empréstimos agrícolas dentro do Vale Central.

• Carteira total de empréstimos agrícolas: US $ 215,4 milhões
• Número de clientes agrícolas: 276
• Tamanho médio do empréstimo agrícola: US $ 780.434

REGIONAIS RECONALIDADES ENCOMENDADORES E GERENTES DE PROPRIEDADES

Categoria de parceria imobiliária	Número de parcerias	Volume total de empréstimos imobiliários
Desenvolvedores residenciais	43	US $ 67,2 milhões
Gerentes de propriedades comerciais	29	US $ 52,9 milhões

Instituições financeiras comunitárias e cooperativas de crédito

A United Security Bancshares colabora com redes financeiras regionais.

• Número de parcerias institucionais: 18
• Rede total de empréstimos colaborativos: US $ 42,7 milhões
• Acordos de serviço compartilhados: 7

Redes de negócios pequenas e médias

Categoria de rede de negócios	Total de parcerias de rede	Empréstimos comerciais totais
Rede de pequenas empresas	312	US $ 98,6 milhões
Rede de negócios médios	156	US $ 76,3 milhões

United Security Bancshares (UBFO) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A United Security Bancshares opera 15 locais bancários de serviço completo em todo o Texas a partir de 2023. O total de ativos relatados em US $ 1,47 bilhão para o ano fiscal de 2023.

Categoria de serviço bancário	Volume total
Contas de corrente comercial	3.742 contas ativas
Contas de corrente pessoal	12.589 contas ativas
Volume total de transações anuais	US $ 487,6 milhões

Origem de empréstimos para negócios e agricultura

Breakdown da carteira de empréstimos para 2023:

• Empréstimos comerciais totais: US $ 612,3 milhões
• Empréstimos agrícolas: US $ 214,7 milhões
• Tamanho médio da origem do empréstimo: $ 328.000
• Taxa de aprovação do empréstimo: 68,4%

Gerenciamento de produtos de depósito e investimento

Tipo de produto	Total de depósitos	Taxa de juros média
Contas de poupança	US $ 392,1 milhões	2.15%
Contas do mercado monetário	US $ 276,5 milhões	3.25%
Certificados de depósito	US $ 214,6 milhões	4.10%

Desenvolvimento da plataforma bancária digital

Métricas bancárias digitais para 2023:

• Usuários bancários móveis: 28.416
• Usuários bancários online: 36.742
• Volume de transação digital: US $ 276,3 milhões
• Taxa de download de aplicativos móveis: 14,2% de crescimento ano a ano

Gerenciamento de riscos e monitoramento de conformidade

Estatísticas de conformidade e gerenciamento de riscos:

• Tamanho do departamento de conformidade: 22 funcionários em tempo integral
• Orçamento anual de conformidade: US $ 3,2 milhões
• Pontuação do exame regulatório: 94.6/100
• Taxa de detecção de prevenção de fraudes: 99,7%

United Security Bancshares (UBFO) - Modelo de negócios: Recursos -chave

Forte infraestrutura bancária regional

A partir do quarto trimestre 2023, a United Security Bancshares opera 16 locais bancários de serviço completo em toda a Califórnia, especificamente em Fresno, Bakersfield e condados vizinhos.

Métrica de infraestrutura	Dados atuais
Total de locais bancários	16
Regiões de serviço primário	Central California
Total de ativos	US $ 1,47 bilhão (31 de dezembro de 2023)

Equipe de gerenciamento experiente

Composição de liderança em 2024:

• Total de membros da equipe executiva: 7
• Experiência média da indústria bancária: 22 anos
• CEO: David Boeck (em posição desde 2015)

Conhecimento e relacionamentos do mercado local

Métricas de penetração de mercado:

Indicador de mercado local	Percentagem
Participação de mercado de empréstimos comerciais na Califórnia central	4.3%
Taxa de retenção de clientes de negócios local	92%

Sistemas de tecnologia e bancos digitais

Recursos bancários digitais:

• Usuários da plataforma bancária móvel: 65% da base total de clientes
• Volume de transações online: 1,2 milhão de transações mensais
• Investimento de segurança cibernética: US $ 2,3 milhões anualmente

Capital financeiro e balanço estável

Métrica financeira	2023 valor
Patrimônio total	US $ 157,6 milhões
Índice de capital de camada 1	13.7%
Margem de juros líquidos	3.85%
Retorno em ativos médios (ROAA)	1.12%

United Security Bancshares (UBFO) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para empresas locais

No quarto trimestre 2023, a United Security Bancshares registrou US $ 1,28 bilhão em ativos totais, com Segmento de Bancos de Negócios Locais representando 42% da carteira total de empréstimos.

Categoria de empréstimos para negócios	Montante total	Porcentagem de portfólio
Empréstimos para pequenas empresas	US $ 214,6 milhões	26.3%
Empréstimos imobiliários comerciais	US $ 387,3 milhões	47.5%
Linhas de capital de giro	US $ 112,4 milhões	13.8%

Taxas de juros competitivas para empréstimos e depósitos

Ofertas atuais de taxa de juros em janeiro de 2024:

• Taxas de empréstimos comerciais: 6,25% - 9,75%
• Taxas de economia de negócios: 3,15% - 4,25%
• Taxas de empréstimos imobiliários comerciais: 7,10% - 8,40%

Abordagem de atendimento ao cliente orientada por relacionamento

Taxa de retenção de clientes: 87,6% com uma duração média do relacionamento com o cliente de 7,3 anos.

Especializada experiência em empréstimos agrícolas e comerciais

Segmento de empréstimos agrícolas	Portfólio total
Empréstimos agrícolas totais	US $ 276,5 milhões
Empréstimos de produção agrícola	US $ 142,3 milhões
Financiamento de gado	US $ 87,6 milhões

Opções bancárias digitais e pessoais convenientes

Estatísticas bancárias digitais:

• Usuários bancários móveis: 64.200
• Transações bancárias online: 1,2 milhão mensalmente
• Taxa de penetração bancária digital: 72,3%

United Security Bancshares (UBFO) - Modelo de Negócios: Relacionamentos do Cliente

Interações bancárias pessoais de alto toque

A United Security Bancshares mantém 11 locais de filiais em todo o Texas, oferecendo serviços bancários pessoais com um tempo médio de interação do cliente de 22 minutos por visita.

Tipo de ramificação	Número de ramificações	Interação média do cliente
Ramos físicos	11	22 minutos

Gerentes de relacionamento dedicados

O banco emprega 37 gerentes de relacionamento dedicados que atendem a clientes bancários comerciais e pessoais.

• Portfólio médio de clientes por gerente de relacionamento: 126 contas
• PRONTAGEM Média do Gerente de Relacionamento: 6,4 anos

Engajamento focado na comunidade

A United Security Bancshares aloca US $ 214.000 anualmente para o envolvimento da comunidade e os programas de patrocínio local.

Métrica de engajamento da comunidade	Investimento anual
Patrocínios locais	$214,000

Canais de suporte ao cliente responsivos

A infraestrutura de suporte ao cliente inclui vários canais de comunicação com 97,3% Taxa de resolução de primeiro contato.

• Suporte telefônico: disponível das 8h às 18h CST
• Chat online: disponibilidade 24/7
• Suporte por e -mail: resposta dentro de 4 horas de negócios

Serviços de consultoria financeira personalizada

Os serviços de consultoria financeira personalizados cobrem 42% da base total de clientes do banco, com um valor médio da conta consultiva de US $ 487.000.

Métrica do Serviço de Consultoria	Valor
Cobertura da base de clientes	42%
Valor médio da conta consultiva	$487,000

United Security Bancshares (UBFO) - Modelo de Negócios: Canais

Rede de agência bancária física

A United Security Bancshares opera 14 agências bancárias físicas em toda a região central do vale da Califórnia a partir de 2024.

Localização	Número de ramificações
Condado de Fresno	7
Condado de Kern	4
Condado de Kings	3

Plataforma bancária online

A plataforma digital do banco suporta Mais de 25.000 usuários bancários online ativos Com os seguintes recursos:

• Rastreamento do saldo da conta
• Transferências de fundos
• Serviços de pagamento da conta
• States eletrônicos

Aplicativo bancário móvel

Estatísticas de aplicativos bancários móveis para 2024:

Métrica	Valor
Downloads de aplicativos totais	17,500
Usuários ativos mensais	12,300

Serviços bancários telefônicos

Centro de Suporte ao Cliente 24/7 com as seguintes métricas:

• Tempo médio de resposta de chamada: 2,5 minutos
• Volume anual de chamada: 85.600 chamadas

Rede ATM na região central do vale

A United Security Bancshares mantém 22 locais ATM em sua área de serviço:

Condado	Número de caixas eletrônicos
Condado de Fresno	10
Condado de Kern	7
Condado de Kings	5

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

Pequenas e médias empresas

A partir do quarto trimestre de 2023, a United Security Bancshares atende aproximadamente 1.247 empresas pequenas e médias no mercado da Califórnia. O portfólio total de empréstimos comerciais para este segmento é de US $ 183,4 milhões.

Categoria de tamanho de negócios	Número de clientes	Valor da carteira de empréstimos
Micro negócios (1-9 funcionários)	672	US $ 42,6 milhões
Pequenas empresas (10-49 funcionários)	415	US $ 89,2 milhões
Empresas médias (50-250 funcionários)	160	US $ 51,6 milhões

Empresas do setor agrícola

A United Security Bancshares mantém uma divisão especializada em empréstimos agrícolas, com US $ 76,3 milhões em empréstimos agrícolas a partir de 2023.

• Total de clientes agrícolas: 213
• Tamanho médio do empréstimo: US $ 358.000
• Concentração geográfica: região central da Califórnia

Proprietários comerciais locais

O segmento de empréstimos imobiliários comerciais representa US $ 214,7 milhões em carteira total de empréstimos.

Tipo de propriedade	Número de clientes	Valor total do empréstimo
Propriedades de varejo	87	US $ 64,2 milhões
Edifícios de escritórios	52	US $ 89,5 milhões
Propriedades industriais	36	US $ 61 milhões

Clientes bancários de varejo individuais

O segmento bancário de varejo compreende 34.672 detentores de contas individuais com depósitos totais de US $ 512,6 milhões.

• Contas de corrente pessoal: 18.943
• Contas de poupança pessoal: 15.729
• Depósito médio do cliente: US $ 14.780

Provedores de serviços profissionais

O segmento de clientes de serviços profissionais inclui 876 contas de clientes com US $ 92,4 milhões em relacionamentos bancários comerciais totais.

Categoria profissional	Número de clientes	Valor do relacionamento bancário total
Profissionais do direito	214	US $ 22,6 milhões
Práticas médicas	312	US $ 38,9 milhões
Empresas de consultoria	350	US $ 30,9 milhões

United Security Bancshares (UBFO) - Modelo de negócios: estrutura de custos

Despesas operacionais de ramificação

A partir de 2024, a United Security Bancshares opera 15 filiais em todo o Texas. Remutação anual de despesas operacionais da filial:

Categoria de despesa	Custo anual
Aluguel e utilitários	$1,275,000
Manutenção e reparos	$385,000
Material de escritório	$142,500

Manutenção de infraestrutura de tecnologia

Custos de infraestrutura de tecnologia para 2024:

• Gastos anuais de infraestrutura de TI: US $ 2.350.000
• Investimentos de segurança cibernética: US $ 675.000
• Licenciamento e atualizações de software: US $ 425.000

Compensação e benefícios dos funcionários

Categoria de compensação	Custo anual
Salários da base	$12,750,000
Seguro de saúde	$1,875,000
Benefícios de aposentadoria	$1,425,000
Bônus de desempenho	$1,250,000

Custos de conformidade regulatória

Despesas de conformidade regulatória para 2024:

• Pessoal do Departamento de Conformidade: US $ 1.500.000
• Taxas de auditoria externa: $ 325.000
• Sistemas de relatórios regulatórios: US $ 275.000
• Consultoria legal: US $ 425.000

Despesas de marketing e aquisição de clientes

Canal de marketing	Gastos anuais
Marketing digital	$385,000
Publicidade tradicional	$275,000
Patrocínio da comunidade	$125,000
Campanhas de aquisição de clientes	$215,000

United Security Bancshares (UBFO) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos comerciais

Para o ano fiscal de 2023, a United Security Bancshares registrou receita total de juros de US $ 44,3 milhões, com empréstimos comerciais contribuindo com US $ 28,7 milhões para este fluxo de receita.

Categoria de empréstimo	Saldo total de empréstimo	Receita de juros
Imóveis comerciais	US $ 312,6 milhões	US $ 15,4 milhões
Comercial & Empréstimos industriais	US $ 186,4 milhões	US $ 13,3 milhões

Taxas de negócios e bancos pessoais

Em 2023, as cobranças de serviço em contas de depósito geraram US $ 5,2 milhões em receita.

• Taxas de conta de corrente de negócios: US $ 2,7 milhões
• Taxas de conta correntes pessoais: US $ 1,8 milhão
• Taxas de cheque especial: US $ 0,7 milhão

Comissões de produtos de investimento

Os serviços de investimento e corretagem produziram US $ 3,6 milhões em receita de comissão para 2023.

Tipo de produto	Receita da Comissão
Fundos mútuos	US $ 1,4 milhão
Planejamento de aposentadoria	US $ 1,2 milhão
Gestão de patrimônio	US $ 1,0 milhão

Cobranças de serviço bancário digital

Os serviços bancários digitais geraram US $ 1,5 milhão em receita para 2023.

• Taxas de transação bancária online: US $ 0,6 milhão
• Encargos de serviço bancário móvel: US $ 0,5 milhão
• Taxas eletrônicas de transferência de fundos: US $ 0,4 milhão

Serviços de Gerenciamento do Tesouro

Os Serviços de Gerenciamento do Tesouro contribuíram com US $ 2,8 milhões para a receita do banco em 2023.

Categoria de serviço	Receita
Gerenciamento de caixa	US $ 1,2 milhão
Processamento de pagamento	US $ 0,9 milhão
Serviços comerciais	US $ 0,7 milhão

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.