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
United Security Bancshares (NASDAQ:UBFO) Has Affirmed Its Dividend Of $0.12
Sep 29
United Security Bancshares (NASDAQ:UBFO) Is Paying Out A Dividend Of $0.12
Jul 01United Security Bancshares (NASDAQ:UBFO) Will Pay A Dividend Of $0.12
Oct 01United Security Bancshares (NASDAQ:UBFO) Is Paying Out A Larger Dividend Than Last Year
Jul 02United Security Bancshares (NASDAQ:UBFO) Has Affirmed Its Dividend Of $0.11
Apr 02United Security Bancshares (NASDAQ:UBFO) Has Announced A Dividend Of $0.11
Dec 25United Security Bancshares GAAP EPS of $0.26, revenue of $13.12M
Oct 20United Security Bancshares GAAP EPS of $0.20, revenue of $11.01M
Jul 20United Security Bancshares' (NASDAQ:UBFO) Dividend Will Be US$0.11
Jul 05United Security Bancshares declares $0.11 dividend
Jun 30United Security Bancshares' (NASDAQ:UBFO) Dividend Will Be US$0.11
Mar 29United Security Bancshares' (NASDAQ:UBFO) Dividend Will Be US$0.11
Oct 04United Security Bancshares (NASDAQ:UBFO) Will Pay A Dividend Of US$0.11
Jun 28Should Shareholders Reconsider United Security Bancshares' (NASDAQ:UBFO) CEO Compensation Package?
May 13Should You Or Shouldn't You: A Dividend Analysis on United Security Bancshares (NASDAQ:UBFO)
Mar 09Is United Security Bancshares (NASDAQ:UBFO) Popular Amongst Insiders?
Feb 02There's A Lot To Like About United Security Bancshares' (NASDAQ:UBFO) Upcoming US$0.11 Dividend
Dec 28Shareholders Of United Security Bancshares (NASDAQ:UBFO) Must Be Happy With Their 63% Return
Dec 22
United Security Bancshares declares $0.11 dividend
Dec 16Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: UBFO's Assets to Equity ratio (9.4x) is low.
Allowance for Bad Loans: UBFO has a sufficient allowance for bad loans (129%).
Low Risk Liabilities: 95% of UBFO's liabilities are made up of primarily low risk sources of funding.
Loan Level: UBFO has an appropriate level of Loans to Assets ratio (76%).
Low Risk Deposits: UBFO's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: UBFO has an appropriate level of bad loans (1.3%).