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United Security Bancshares
United Security Bancshares (UBFO) investor relations material
United Security Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Net income for 2025 was $12.3 million, down 16.88% year-over-year; EPS was $0.70 versus $0.85 in 2024.
Fourth quarter net income rose 36.83% year-over-year to $3.4 million, with EPS of $0.19.
Announced a definitive all-stock merger agreement with Community West Bancshares, expected to close in 2026.
Financial highlights
Net interest margin for Q4 2025 increased to 4.36% from 4.22% a year ago; full-year NIM was 4.41% versus 4.26% in 2024.
Net interest income for 2025 was $48.8 million, up 4.10% year-over-year.
Noninterest income for Q4 surged to $1.3 million, up from $120,000, mainly due to gains on TruPS fair value and partial redemptions.
Noninterest expense for Q4 rose 18.55% year-over-year to $8.8 million, driven by merger costs and higher salaries.
Provision for credit losses for 2025 was $5.6 million, up from $3.0 million in 2024.
Outlook and guidance
Entering 2026 with a robust loan pipeline and a $69.4 million increase in unfunded commitments compared to year-end 2024.
Merger with Community West Bancshares is on track for 2026, expected to enhance scale and value.
How will student loan portfolio risks be mitigated?
Detail TruPS fair value changes and redemptions.
How will unfunded commitments drive loan growth?
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Next United Security Bancshares earnings date
Q1 202617 Apr, 2026
United Security Bancshares
Next United Security Bancshares earnings date
Q1 202617 Apr, 2026
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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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