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United Security Bancshares
United Security Bancshares (UBFO) investor relations material
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.
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Latest events from United Security Bancshares
- CWB and USB to merge, with USB shareholders receiving 0.4520 CWB shares per USB share.UBFO
Proxy Filing25 Feb 2026 - 2025 net income declined 16.88% year-over-year, but Q4 net income rose 36.83%.UBFOQ4 202522 Jan 2026
- Annual meeting to vote on directors, equity plan, share increase, auditor, and executive pay.UBFOProxy Filing2 Dec 2025
- Shareholders will vote on director elections, equity plan, share increase, auditor, and executive pay.UBFOProxy Filing2 Dec 2025
- Abstentions and broker non-votes will count as votes against most proposals at the 2025 annual meeting.UBFOProxy Filing2 Dec 2025
- Q3 2025 net income rose 5.07% with strong loan growth and improved credit quality.UBFOQ3 20257 Nov 2025
- Net income dropped 49.5% on higher credit losses, but capital and liquidity remain robust.UBFOQ2 20257 Aug 2025
- Net income was $3.8M as loans and deposits grew, with strong capital and rising net interest margin.UBFOQ3 202413 Jun 2025
- Net income dropped 2.7% as margins narrowed, but loan growth and IT upgrades supported stability.UBFOQ2 202413 Jun 2025
Next United Security Bancshares earnings date
Q2 202616 Jul, 2026
United Security Bancshares
Next United Security Bancshares earnings date
Q2 202616 Jul, 2026
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