United Security Bancshares

DB:4QR Stock Report

Market Cap: €131.0m

United Security Bancshares Balance Sheet Health

Financial Health criteria checks 6/6

United Security Bancshares has total assets of $1.2B and total equity of $127.4M. Total deposits are $1.0B, and total loans are $934.1M. 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 $38.8M.

Key information

9.6x

Asset to equity ratio

4.3%

Net interest margin

Total deposits

US$1.01b

Loan to deposit ratio

Appropriate

Bad loans

1.3%

Allowance for bad loans

Sufficient

Current ratio

Low

Cash & equivalents

US$38.76m

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 (9.6x) is low.

Allowance for Bad Loans: 4QR has a sufficient allowance for bad loans (120%).

Low Risk Liabilities: 92% 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 (77%).

Low Risk Deposits: 4QR's Loans to Deposits ratio (93%) is appropriate.

Level of Bad Loans: 4QR has an appropriate level of bad loans (1.3%).


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