For the year ending 2025-12-31, UBFO had $64,744K increase in cash & cash equivalents over the period. $19,775K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Interest income | 60,812 |
| Noninterest income | 5,086 |
| Total income | 65,898 |
| Interest expense | 12,041 |
| Provision for credit losses | 5,574 |
| Salaries and employee benefits | 15,557 |
| Provision for income taxes | 4,407 |
| Occupancy expense | 3,863 |
| Depreciation | 1,458 |
| Amortization | 1,519 |
| Other expenses | 9,191 |
| Net income | 12,288 |
| Provision for credit losses | 5,574 |
| Depreciation and amortization | 1,458 |
| Amortization of operating lease right-of-use assets | 829 |
| Amortization of premium/discount on investment securities, net | 371 |
| Operating lease payments | 755 |
| Decrease (increase) in accrued interest receivable | -944 |
| (decrease) increase in accrued interest payable | -12 |
| Decrease in unearned fees and unamortized loan origination costs, net | 319 |
| (increase) decrease in income taxes receivable | 510 |
| Stock-based compensation expense and tax benefit | 969 |
| Provision (benefit) for deferred income taxes | 284 |
| Increase (decrease) in accounts payable and accrued liabilities | 407 |
| Write down on other real estate owned | 73 |
| (gain) loss on marketable equity securities | 106 |
| Loss on fair value option of junior subordinated debentures | -90 |
| Gain on partial redemption of junior subordinated debentures | 481 |
| Gain on calls of investment securities | 17 |
| Gain on proceeds from bank-owned life insurance | 0 |
| Increase in cash surrender value of bank-owned life insurance | 561 |
| Loss (gain) on sale of assets | -57 |
| Net decrease (increase) in other assets | -835 |
| Net cash provided by operating activities | 22,056 |
| Purchases of fhlb stock, frb stock, and other securities | 27 |
| Maturities and calls of available-for-sale securities | 14,415 |
| Principal payments on available-for-sale securities | 10,468 |
| Net decrease (increase) in loans | 3,341 |
| Proceeds from bank-owned life insurance | 0 |
| Capital expenditures of premises and equipment | 2,281 |
| Investment in limited partnerships | 0 |
| Net cash provided by investing activities | 25,916 |
| Increase in demand deposit and savings accounts | 32,736 |
| Net (decrease) increase in time deposits | -1,579 |
| Partial redemption of junior subordinated debentures | 6,000 |
| Net decrease is short-term borrowings | 0 |
| Dividends on common stock | 8,385 |
| Net cash provided by (used in) financing activities | 16,772 |
| Net increase in cash and cash equivalents | 64,744 |
| Cash and cash equivalents at beginning of year | 56,211 |
| Cash and cash equivalents at end of year | 120,955 |
UNITED SECURITY BANCSHARES (UBFO)
UNITED SECURITY BANCSHARES (UBFO)