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Overview / Commentary
2126 Inyo Street
Fresno, CA 93711

United Security Bank (CA) is headquartered in Fresno and is the 70th largest bank in the state of California. It is also the 1,028th largest bank in the nation. It was established in 1987 and as of March of 2014, it had grown to 138 employees at 13 locations. United Security Bank (CA) has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 United Security Bank (CA) had $27.73 million in non-current loans and owned real-estate with $99.94 million in equity and loan loss allowances on hand to cover it. This gives United Security Bank (CA) a Texas Ratio of 27.75% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for United Security Bank (CA) decreased slightly from 36.11% as of March 31, 2013 to 27.75% as of March 31, 2014, resulting in a positive change of 23.16%.This indicates that the balance sheet and financial strength for United Security Bank (CA) has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, United Security Bank (CA) has increased its total deposits by $18.31 million, resulting in 3.33% 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 excellent.

Capitalization

GRADE:
A+

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 $664.87 million in assets with $99.94 million in equity, resulting in a capitalization level of 15.03%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #27132
Year Established1987
Employees138
Primary RegulatorFED
Assets and Liabilities
Assets$664.87 million
Loans$400.25 million
Deposits$568.42 million
Equity Capital$88.86 million
Loan Loss Allowance$11.08 million
Unbacked Noncurrent Loans$13.27 million
Real Estate Owned$14.46 million
Historic Data - March 2013
Assets$637.08 million
Equity Capital$81.37 million
Loan Loss Allowance$11.40 million
Unbacked Noncurrent Loans$13.27 million
Real Estate Owned$21.96 million
Profit Margin - Quarterly
Net Interest Margin3.96%
Return on Assets0.7%
Return on Equity5.19%
Interest Income$5.77 million
Rates

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United Security Bank (CA) Savings Account Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
0.40%$1,500k-Personal Money Market Checking Account
0.40%$1,500k-Business Money Market Checking Account

United Security Bank (CA) Checking Account Rates

DetailsAPYMINMAXPRODUCT
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) CD Rates

DetailsAPYMINMAXPRODUCT
0.80%$100k-5 Year Business CD
0.80%$100k-5 Year Personal CD
0.70%$100k-4 Year Business CD
0.70%$100k-4 Year Personal CD
0.68%$10k-Business 5 Year CDARS
0.68%$10k-5 Year CDARS
0.60%$100k-3 Year Business CD
0.60%$100k-3 Year Personal CD
0.50%$100k-2 Year Business CD
0.50%$100k-2 Year Personal CD
0.48%$10k-Business 3 Year CDARS
0.48%$10k-3 Year CDARS
0.40%$100k-18 Month Business CD
0.40%$100k-18 Month Personal CD
0.38%$10k-Business 2 Year CDARS
0.38%$10k-2 Year CDARS
0.35%$100k-1 Year Business CD
0.35%$100k-1 Year Personal CD
0.30%$100k-180 Day Business CD
0.30%$100k-270 Day Business CD
0.30%$100k-180 Day Personal CD
0.30%$100k-270 Day Personal CD
0.30%$10k-Business 2 Year Floating CD
0.30%$10k-2 Year Floating CD
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-Business 52 Week CDARS
0.23%$10k-52 Week CDARS
0.18%$10k-Business 26 Week CDARS
0.18%$10k-26 Week CDARS
0.15%$10k-Business 4 Week CDARS
0.15%$10k-Business 13 Week CDARS
0.15%$10k-4 Week CDARS
0.15%$10k-13 Week CDARS

United Security Bank (CA) IRA Rates

DetailsAPYMINMAXPRODUCT
0.80%$100k-5 Year IRA
0.70%$100k-4 Year IRA
0.60%$100k-3 Year IRA
0.50%$100k-2 Year IRA
0.40%$100k-18 Month IRA
0.35%$100k-1 Year IRA
0.30%$100k-180 Day IRA
0.30%$100k-270 Day IRA
0.27%$100k-30 Day IRA
0.27%$100k-90 Day IRA
Locations

United Security Bank (CA) has 13 locations. Click to view all United Security Bank (CA) locations.