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%).