)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
United Security Bancshares
United Security Bancshares (UBFO) investor relations material
United Security Bancshares has been acquired by Community West Bancshares
United Security Bancshares Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary1 Apr, 2026
Executive summary
Net income for Q1 2026 was $11.49 million, up from $8.29 million in Q1 2025 and $11.17 million in Q4 2025, with diluted EPS of $0.60 compared to $0.44 and $0.58, respectively.
Completed merger with United Security Bancshares on April 1, 2026, expanding reach in Central California; combined results to be reported from Q2 2026.
Declared a $0.12 per share cash dividend, payable May 22, 2026.
Financial highlights
Net interest income before provision for credit losses rose to $36.0 million, up 11.9% year-over-year.
Total non-interest income increased 6.8% year-over-year to $2.79 million, driven by higher FHLB dividends.
Total non-interest expense decreased 2.1% year-over-year to $22.99 million, mainly due to lower salaries and professional services.
Gross loans grew by $209.7 million (8.98%) year-over-year and $61.4 million (2.47%) sequentially.
Total deposits increased by $213 million (7.3%) year-over-year and $46.3 million (1.5%) sequentially.
Outlook and guidance
Management expects to leverage the merger to deliver expanded solutions and long-term value, with combined financials to be reported in Q2 2026.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from United Security Bancshares
- CWB and USB to merge, with USB shareholders receiving 0.4520 CWB shares per USB share.UBFO
Proxy Filing - 2025 net income declined 16.88% year-over-year, but Q4 net income rose 36.83%.UBFOQ4 2025
- Annual meeting to vote on directors, equity plan, share increase, auditor, and executive pay.UBFOProxy Filing
- Shareholders will vote on director elections, equity plan, share increase, auditor, and executive pay.UBFOProxy Filing
- Abstentions and broker non-votes will count as votes against most proposals at the 2025 annual meeting.UBFOProxy Filing
- Q3 2025 net income rose 5.07% with strong loan growth and improved credit quality.UBFOQ3 2025
- Net income dropped 49.5% on higher credit losses, but capital and liquidity remain robust.UBFOQ2 2025
- Net income was $3.8M as loans and deposits grew, with strong capital and rising net interest margin.UBFOQ3 2024
- Net income dropped 2.7% as margins narrowed, but loan growth and IT upgrades supported stability.UBFOQ2 2024
United Security Bancshares
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
Frequently asked questions
United Security Bancshares, operating as the holding company for United Security Bank, provides a broad range of commercial banking services primarily to businesses, professionals, and individuals across several counties in California, including Fresno, Madera, Santa Clara, and Kern. The bank offers various deposit products such as checking and savings accounts, money market accounts, and certificates of deposit. It also provides a range of loan products, including commercial, real estate, construction, and consumer loans. Additional services include online and mobile banking, safe deposit boxes, wire transfers, and wealth management. The company's revenue mainly comes from interest income on loans and investment securities. The company is headquartered in Fresno, California, and its shares are listed on the NASDAQ.