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Balance Sheets Overview
Debt to Asset Ratio
88.81%
Unit: Thousand (K) dollars
Assets Breakdown
Loans
Available-for-sale (afs) debt se...
Cash and cash equivalents
Others
Liabilities Breakdown
Noninterest-bearing
Retained earnings
Common stock, no par value 20,00...
Others
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Page 1
Annual
123
Page 1
Balance Sheets
2025-12-31
Cash and cash equivalents
120,955
Available-for-sale (afs) debt securities net of allowance for credit losses of 0 (amortized cost of 154,517 and 179,753, respectively)
139,823
Marketable equity securities
3,432
Total investment securities
143,255
Loans
917,528
Unearned fees and unamortized loan origination costs - net
-2,101
Allowance for credit losses - loans
14,838
Net loans
900,589
Premises and equipment - net
9,434
Accrued interest receivable
7,160
Other real estate owned (oreo)
8,185
Goodwill
4,488
Deferred tax assets - net
12,076
Cash surrender value of life insurance - net
21,253
Investment in limited partnerships
4,275
Operating lease right-of-use assets
3,190
Other assets
13,453
Total assets
1,248,313
Noninterest-bearing
421,897
Interest-bearing
666,883
Total deposits
1,088,780
Operating lease liabilities
3,355
Other liabilities
10,199
Junior subordinated debentures (at fair value)
6,296
Total liabilities
1,108,630
Common stock, no par value 20,000,000 shares authorized issued and outstanding 17,582,116 at december31, 2025 and 17,364,894 at december31, 2024
62,236
Retained earnings
87,324
Accumulated other comprehensive loss, net of tax
-9,877
Total shareholders equity
139,683
Total liabilities and shareholders equity
1,248,313
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS).
Page 1
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Time Plot
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Balance Sheets
Loans
$917,528K
Available-for-sale (afs) debt
securities net of allowance...
$139,823K
Marketable equity
securities
$3,432K
Net loans
$900,589K
Total investment
securities
$143,255K
Cash and cash
equivalents
$120,955K
Cash surrender value
of life insurance -...
$21,253K
Other assets
$13,453K
Deferred tax assets - net
$12,076K
Premises and equipment -
net
$9,434K
Other real estate
owned (oreo)
$8,185K
Accrued interest
receivable
$7,160K
Goodwill
$4,488K
Investment in limited
partnerships
$4,275K
Operating lease
right-of-use assets
$3,190K
Allowance for credit
losses - loans
$14,838K
Unearned fees and
unamortized loan...
-$2,101K
Total assets
$1,248,313K
Total liabilities and
shareholders equity
$1,248,313K
Total liabilities
$1,108,630K
Total shareholders
equity
$139,683K
Accumulated other
comprehensive loss, net of tax
-$9,877K
Total deposits
$1,088,780K
Other liabilities
$10,199K
Junior subordinated
debentures (at fair value)
$6,296K
Operating lease
liabilities
$3,355K
Retained earnings
$87,324K
Common stock, no par
value 20,000,000...
$62,236K
Interest-bearing
$666,883K
Noninterest-bearing
$421,897K
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UNITED SECURITY BANCSHARES (UBFO)
UNITED SECURITY BANCSHARES (UBFO)