United Security Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
United Security Bancshares has total assets of $1.3B and total equity of $132.9M. Total deposits are $1.1B, and total loans are $958.6M. It earns a Net Interest Margin of 4.3%. It has sufficient allowance for bad loans, which are currently at 1.3% of total loans. Cash and short-term investments are $47.9M.
Key information
9.4x
Asset to equity ratio
4.3%
Net interest margin
| Total deposits | US$1.07b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$47.92m |
Recent financial health updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 4QR's Assets to Equity ratio (9.4x) is low.
Allowance for Bad Loans: 4QR has a sufficient allowance for bad loans (129%).
Low Risk Liabilities: 95% of 4QR's liabilities are made up of primarily low risk sources of funding.
Loan Level: 4QR has an appropriate level of Loans to Assets ratio (76%).
Low Risk Deposits: 4QR's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: 4QR has an appropriate level of bad loans (1.3%).