United Security Bank (CA)

2151 West Shaw Avenue
Fresno, CA 93711
www.unitedsecuritybank.com

FDIC

OverView
Rates
Health
Reviews

United Security Bank (CA) is headquartered in Fresno and is the 68^th largest bank in the state of California. It is also the 1,043^rd largest bank in the nation. It was established in 1987 and as of December of 2012, it had grown to 138 employees at 13 locations. United Security Bank (CA) has a 3-star health rating.

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

United Security Bank (CA) Checking Account Rates

Apy	Min	Max	Product
0.10%	$100	-	Personal Classic Checking Account
0.10%	$100	-	Business Classic Checking Account
0.10%	$200	-	Business NOW Account
0.10%	$200	-	Personal NOW Account

United Security Bank (CA) Savings Account Rates

Apy	Min	Max	Product
0.40%	-	-	IRA Saving Account
0.40%	-	-	Roth IRA Saving Account
0.40%	-	-	CESA Savings Account
0.15%	$100	-	Business Saving Account
0.15%	$100	-	Personal Saving Account

United Security Bank (CA) Money Market Rates

Apy	Min	Max	Product
0.45%	$750k	-	Personal Money Market Checking Account
0.45%	$750k	-	Business Money Market Checking Account

United Security Bank (CA) CD Rates

Apy	Min	Max	Product
1.01%	$100k	-	5 Year Business CD
1.01%	$100k	-	5 Year Personal CD
0.90%	$100k	-	4 Year Business CD
0.90%	$100k	-	4 Year Personal CD
0.88%	$10k	-	5 Year CDARS
0.75%	$100k	-	3 Year Business CD
0.75%	$100k	-	3 Year Personal CD
0.63%	$10k	-	3 Year CDARS
0.60%	$100k	-	2 Year Business CD
0.60%	$100k	-	2 Year Personal CD
0.48%	$10k	-	2 Year CDARS
0.45%	$100k	-	18 Month Business CD
0.45%	$100k	-	18 Month Personal CD
0.40%	$100k	-	1 Year Business CD
0.40%	$100k	-	1 Year Personal CD
0.40%	$10k	-	2 Year Floating CD
0.35%	$100k	-	180 Day Business CD
0.35%	$100k	-	270 Day Business CD
0.35%	$100k	-	180 Day Personal CD
0.35%	$100k	-	270 Day Personal CD
0.28%	$10k	-	52 Week CDARS
0.27%	$100k	-	30 Day Business CD
0.27%	$100k	-	90 Day Business CD
0.27%	$100k	-	30 Day Personal CD
0.27%	$100k	-	90 Day Personal CD
0.23%	$10k	-	26 Week CDARS
0.15%	$10k	-	4 Week CDARS
0.15%	$10k	-	13 Week CDARS

United Security Bank (CA) IRA Rates

Apy	Min	Max	Product
0.85%	$1k	-	5 Year IRA
0.85%	$1k	-	5 Year Roth IRA
0.85%	$1k	-	5 Year CESA
0.75%	$1k	-	4 Year IRA
0.75%	$1k	-	4 Year Roth IRA
0.75%	$1k	-	4 Year CESA
0.60%	$1k	-	3 Year IRA
0.60%	$1k	-	3 Year Roth IRA
0.60%	$1k	-	3 Year CESA
0.45%	$1k	-	2 Year IRA
0.45%	$1k	-	2 Year Roth IRA
0.45%	$1k	-	2 Year CESA
0.30%	$1k	-	18 Month IRA
0.30%	$1k	-	18 Month Roth IRA
0.30%	$1k	-	18 Month CESA
0.25%	$1k	-	1 Year IRA
0.25%	$1k	-	1 Year Roth IRA
0.25%	$1k	-	1 Year CESA
0.20%	$1k	-	180 Day IRA
0.20%	$1k	-	270 Day IRA
0.20%	$1k	-	180 Day Roth IRA
0.20%	$1k	-	270 Day Roth IRA
0.20%	$1k	-	180 Day CESA
0.20%	$1k	-	270 Day CESA
0.12%	$1k	-	30 Day IRA
0.12%	$1k	-	90 Day IRA
0.12%	$1k	-	30 Day Roth IRA
0.12%	$1k	-	90 Day Roth IRA
0.12%	$1k	-	30 Day CESA
0.12%	$1k	-	90 Day CESA

Rates updated: 5/23/2013

Data for Q4 2012

Institution Statistics

United Security Bank
FDIC Certificate #	27132
BankRate Report	View
Year Established	1987
Employees	138
Primary Regulator	FED
Assets and Liabilities
Assets	$648.76 million
Loans	$388.25 million
Deposits	$563.69 million
Equity Capital	$78.99 million
Loan Loss Allowance	$11.78 million
Unbacked Noncurrent Loans	$13.43 million
Real Estate Owned	$23.97 million
Historic Data - December 2011
Assets	$652.56 million
Equity Capital	$72.38 million
Loan Loss Allowance	$13.65 million
Unbacked Noncurrent Loans	$18.10 million
Real Estate Owned	$27.09 million
Profit Margin - Quarterly
Net Interest Margin	4.49%
Return on Assets	0.92%
Return on Equity	7.67%
Interest Income	$25.15 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 United Security Bank (CA) had $37.4 million in non-current loans and owned real-estate with $90.78 million in equity and loan loss allowances on hand to cover it. This gives United Security Bank (CA) a Texas Ratio of 41.20% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for United Security Bank (CA) decreased slightly from 52.53% as of December 31, 2011 to 41.20% as of December 31, 2012, resulting in a positive change of 21.57%.This indicates that the balance sheet and financial strength for United Security Bank (CA) has improved slightly in recent periods.
Deposit Growth
In the past year, United Security Bank (CA) has decreased its total deposits by -$10.85 million, resulting in -1.89% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United Security Bank (CA) has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United Security Bank (CA) has $648.76 million in assets with $90.78 million in equity, resulting in a capitalization level of 13.99%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.