UBFO Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	-	-	-	38.6	219.22
Securities and Investments	143.26	160.71	184.62	210.86	182.65
Gross Loans	915.43	-1.78	-1.3	980.18	871.53
Allowance for Loan Losses	-14.84	-16.05	-15.66	-10.18	-9.33
Net Loans	900.59	912.42	904.38	970	862.2
Net Property, Plant & Equipment	12.62	11.74	10.44	11.75	11.54
Accrued Interest and Accounts Receivable	7.16	8.1	7.93	8.49	7.53
Goodwill	4.49	4.49	4.49	4.49	4.49
Long-Term Investments	4.28	4.28	3.2	2.8	-
Other Non-Earning Assets	54.97	53.78	55.21	52.21	43.32
Total Assets	1,248	1,212	1,211	1,299	1,331
Interest-bearing deposits	666.88	697.47	601.25	683.86	711.36
Noninterest-bearing deposits	421.9	360.15	403.23	481.63	476.75
Total Deposits	1,089	1,058	1,004	1,165	1,188
Short-Term Borrowings	-	-	62	-	-
Accrued Expenses	3.36	3.16	1.44	2.09	2.71
Long-Term Debt	6.3	11.57	11.21	10.88	11.19
Other Liabilities	10.2	9	9.38	8.27	8.74
Total Liabilities	1,109	1,081	1,089	1,187	1,211
Common Stock	62.24	61.27	60.59	60.03	59.64
Accumulated Other Comprehensive Income	-9.88	-14.35	-15.04	-17.5	-1.17
Retained Earnings	87.32	83.45	77	69.93	61.75
Shareholders' Equity	139.68	130.36	122.54	112.46	120.21
Total Liabilities & Equity	1,248	1,212	1,211	1,299	1,331
Total Debt	6.3	11.57	11.21	10.88	11.19
Net Cash (Debt)	-6.3	-11.57	-11.21	-10.88	-11.19
Net Cash Per Share	-0.36	-0.67	-0.66	-0.64	-0.66
Book Value	139.68	130.36	122.54	112.46	120.21
Book Value Per Share	8.10	7.58	7.16	6.59	7.06
Tangible Book Value	135.2	125.87	118.05	107.98	115.72
Tangible Book Value Per Share	7.84	7.32	6.89	6.33	6.79

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q