United Security Bank
Fresno, CA
IDRSSD: 1162017
Total Assets
$1.25B
Latest filing
Total Deposits
$1.09B
Latest filing
Net Interest Margin
4.36%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
United Security Bank
2126 Inyo St
Fresno, CA 93721
Limited Service - Administrative
Updated 01/30/2026Established 12/21/1987FDIC Certificate 38845
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| United Security Bank (Main) | 2126 Inyo St | Fresno, CA |
| TAFT BRANCH | 523 Cascade Pl | Taft, CA |
| SAN JOAQUIN BRANCH | 21574 Manning Avenue | San Joaquin, CA |
| CARUTHERS BRANCH | 13356 S Henderson Rd | Caruthers, CA |
| FIREBAUGH BRANCH | 1067 O St | Firebaugh, CA |
| COALINGA BRANCH | 145 E Durian Ave | Coalinga, CA |
| BAKERSFIELD BRANCH | 3404 Coffee Rd | Bakersfield, CA |
| WEST SHAW BRANCH | 2151 W Shaw Ave | Fresno, CA |
Showing 7 of 13
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 12/21/1987 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 93721 |
| State and County Number | 06019 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Fresno, CA |
Operational Info
| Number of Employees | 113 |
| Domestic Offices | 14 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/01/2023 |
| Date of Deposit Insurance | 12/21/1987 |
| Primary Insurance Agency | DIF |
| Website | http://www.unitedsecuritybank.com |
| Data Updated | 01/30/2026 |
| CERT | 27132 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.25B |
| Total Deposits | $1.09B |
| Total Liabilities | $1.10B |
| Total Equity Capital | $142.75M |
| Net Income | $3.79M |
| Net Loans and Leases | $900.59M |
| Assets Per Employee ($Millions) | $11.04M |
| Bank Premises and Fixed Assets | $12.45M |
| Cash and Balances due from Depository Institutions | $120.95M |
| Deposits Held in Domestic Offices | $1.09B |
Key Performance Ratios
| Return on Assets (ROA) | 1.22% |
| Return on Equity (ROE) | 10.67% |
| Net Interest Margin | 4.36% |
| Efficiency Ratio | 59.42% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.446% |
| Earning Assets to total Assets | 91% |
Income and Expense
| Total Interest Income | $14.90M |
| Total Noninterest Income | $1.00M |
| Total Interest Expense | $2.62M |
| Total Noninterest Expense | $7.89M |
| Net Interest Income | $12.28M |
| Pre-tax Net Operating Income | $4.92M |
| Provision for Credit Losses | $468.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $12.48M |
| Total Liabilities and Capital | $1.25B |
Securities
| Securities | $143.25M |
| Available-for-sale debt securities | $139.82M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Security Bank?
$1.25B as of the latest filing.
How much are United Security Bank's total deposits?
$1.09B in total deposits.
Where is United Security Bank located?
Fresno, CA.
What is the Net Interest Margin?
4.36%.
How many domestic offices does it operate?
14.
When was it established?
12/21/1987.
What is the Return on Assets (ROA)?
1.22%.
How much are total loans and leases?
$900.59M (latest filing).
What is the total interest income (latest filing)?
$14.90M.