United Security Bancshares (UBFO)

UBFO Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	55.75	55.24	54.18	43.04	35.15	32.4
Interest Income on Investments	5.31	5.52	6.19	6.22	2.58	2.16
Total Interest Income	61.06	60.75	60.38	49.26	37.73	34.57
Interest Paid on Deposits	11.63	9.58	6.76	2.82	1.9	2.01
Interest Paid on Borrowings	1.05	4.32	4.3	0.38	0.18	0.28
Total Interest Expense	12.68	13.9	11.06	3.2	2.08	2.29
Net Interest Income	48.38	46.85	49.32	46.06	35.65	32.28
Net Interest Income Growth (YoY)	2.94%	-5.01%	7.07%	29.20%	10.45%	-13.68%
Gain (Loss) on Sale of Assets	-0.05	0.01	-	-0.01	0.01	-
Gain (Loss) on Sale of Investments	-	-	-	-0.4	-0.11	0.07
Other Non-Interest Income	3.92	4.7	5.57	2.25	3.48	4.79
Total Non-Interest Income	3.86	4.71	5.57	1.84	3.39	4.86
Non-Interest Income Growth (YoY)	-52.39%	-15.37%	202.99%	-45.70%	-30.41%	-15.47%
Revenues Before Loan Losses	52.24	51.56	54.89	47.9	39.04	37.14
Provision for Loan Losses	6.32	2.96	1.46	1.8	2.11	2.77
Revenue	45.92	48.6	53.43	46.1	36.93	34.37
Revenue Growth (YoY)	-12.50%	-9.04%	15.90%	24.83%	7.44%	-20.30%
Salaries and Employee Benefits	14.17	13.19	12.68	11.47	11.48	10.4
Occupancy Expenses	3.69	3.69	3.74	1.3	3.54	1.41
Federal Deposit Insurance	0.72	0.7	0.73	0.79	0.74	0.46
Selling, General & Administrative	8.48	7.51	6.07	7.73	4.76	6.69
Other Non-Interest Expense	3.15	3.2	2.74	2.65	2.84	2.34
Total Non-Interest Expense	30.21	28.28	25.95	24.04	23.62	22.27
EBT Excluding Unusual Items	15.71	20.32	27.48	22.06	13.31	12.1
Pretax Income	15.71	20.32	27.48	22.06	13.31	12.41
Income Tax Expense	4.34	5.54	7.68	6.37	3.22	3.45
Net Income	11.37	14.78	19.8	15.69	10.1	8.96
Net Income to Common	11.37	14.78	19.8	15.69	10.1	8.96
Net Income Growth	-35.72%	-25.32%	26.20%	55.34%	12.69%	-40.94%
Basic Shares Outstanding	17	17	17	17	17	17
Diluted Shares Outstanding	17	17	17	17	17	17
Shares Change (YoY)	0.50%	0.44%	0.37%	0.18%	0.19%	0.08%
EPS (Basic)	0.66	0.86	1.16	0.92	0.59	0.53
EPS (Diluted)	0.65	0.86	1.16	0.92	0.59	0.53
EPS Growth	-36.85%	-25.65%	25.73%	55.93%	11.78%	-40.69%
Dividend Per Share	0.480	0.480	0.460	0.440	0.440	0.440
Dividend Growth	-	4.35%	4.54%	-	-	-
Effective Tax Rate	27.64%	27.25%	27.95%	28.89%	24.15%	27.80%

Updated Oct 16, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q