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Investor Relations14 Oct 2025
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United Security Bancshares (UBFO) investor relations material
United Security Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary17 Jul, 2025
Executive summary
Net income for Q2 2025 was $2.2 million, down 49.5% year-over-year, mainly due to higher provision for credit losses, especially from student loan charge-offs and increased real estate construction loan volume.
Net interest margin rose to 4.35% for Q2 2025 from 4.28% in Q2 2024, with disciplined deposit pricing helping keep cost of funds relatively low.
OREO balances increased to $7.9 million due to transfer of $3.3 million in nonaccrual loans; nonperforming assets decreased as a percentage of total assets.
Total loans grew 2.03% to $947.3 million since December 2024, while total deposits decreased slightly by 0.18% to $1.056 billion.
Branch network investments ongoing, with a new Fresno location opening in August 2025 and renovations planned for two branches.
Financial highlights
Q2 2025 net income: $2.2 million, down from $4.3 million in Q2 2024; six-month net income: $4.9 million, down from $8.5 million year-over-year.
Net interest income for Q2 2025: $11.9 million, nearly flat year-over-year; provision for credit losses surged to $1.9 million from $19,000.
Noninterest income for Q2 2025: $758,000, down 50% year-over-year, mainly due to absence of prior year life insurance gains and a $317,000 loss on TruPS fair value.
Noninterest expense for Q2 2025: $7.7 million, up 11% year-over-year, driven by higher salaries, benefits, and OREO expenses.
Efficiency ratio deteriorated to 61.34% for Q2 2025 from 53.50% a year ago.
Outlook and guidance
Management expects continued charge-offs in the student loan portfolio but believes the allowance for credit losses is adequate.
Company remains well-capitalized and anticipates maintaining adequate capital and liquidity levels.
Ongoing economic uncertainty, interest rate volatility, and agricultural sector challenges may impact future results.
Strategic priorities include balance sheet management, revenue enhancement, deposit growth, and market share retention.
Explain student loan charge-offs impact.
Discuss drivers of noninterest expense increase.
How did TruPS redemption affect equity?
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Next United Security Bancshares earnings date
Q3 202524 Oct, 2025
Next United Security Bancshares earnings date
Q3 202524 Oct, 2025
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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.
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