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United Security Bancshares (UBFO) investor relations material
United Security Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary16 Oct, 2025
Executive summary
Net income for Q3 2025 was $4.0 million ($0.23 per share), up 5.07% year-over-year and up from $2.2 million in Q2 2025.
Net interest margin rose to 4.35% from 4.20% in Q3 2024.
Total loans grew 3.22% since year-end 2024, reaching $958.3 million; loan growth of $30.0 million since year-end.
Shareholders' equity increased by $7.0 million after dividends, totaling $137.4 million at quarter-end.
Deposits increased 1.73% to $1.08 billion.
Financial highlights
Net interest income before provision for credit losses was $12.4 million, up 5.14% year-over-year; after provision: $11.5 million.
Noninterest income for Q3 2025: $1.6 million, down 20% year-over-year, mainly due to lower gains on TruPS fair value.
Noninterest expense for Q3 2025: $7.4 million, up 4.09% year-over-year, driven by higher technology and salary costs.
Provision for credit losses decreased to $948,000 from $1.6 million year-over-year.
Efficiency ratio for Q3 2025 was 52.80%, up from 52.47% a year ago.
Outlook and guidance
Management continues to focus on liquidity, credit risk, and balance sheet growth.
The company expects continued pressure from economic uncertainty, interest rate changes, and local agricultural trends.
Management expects to maintain adequate capital levels and continue dividend payments, but cautions that future dividends are not assured.
What drove Q3 nonaccrual loan decrease?
How did deposit costs decrease in Q3 2025?
Detail TruPS fair value changes in Q3 2025.
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Next United Security Bancshares earnings date
Q4 202526 Jan, 2026
Next United Security Bancshares earnings date
Q4 202526 Jan, 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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