Financial insights of UBFO

MyFinsight

For the year ending 2025-12-31, UBFO made $2,954K in revenue. $12,288K in net income. Net profit margin of 415.98%.

Income Statement	2025-12-31
Customer service fees	2,954
Increase in cash surrender value of bank-owned life insurance	561
Gain on proceeds from bank-owned life insurance	0
Gain (loss) on fair value and partial redemption of junior subordinated debentures (trups)	391
Other	1,180
Total noninterest income	5,086
Interest and fees on loans	55,426
Interest on investment securities	4,380
Interest on deposits in frb	1,006
Total interest income	60,812
Interest on deposits	11,313
Interest on other borrowed funds	728
Total interest expense	12,041
Net interest income	48,771
Provision for credit losses	5,574
Net interest income after provision for credit losses	43,197
Salaries and employee benefits	15,557
Occupancy expense	3,863
Data processing	1,623
Technology	2,766
Professional fees	1,643
Loan-related expenses	343
Merger-related expenses	674
Regulatory assessments	698
Director fees	780
Other	3,641
Total noninterest expense	31,588
Income before provision for taxes	16,695
Provision for income taxes	4,407
Net income	12,288

Basic EPS	0.7
Diluted EPS	0.7
Basic Average Shares	17,241,750
Diluted Average Shares	17,498,322