United Security Bank


2126 Inyo Street
Fresno, CA 93711
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.60% →
1-Year CD 0.35% 1.55% →
2-Year CD 0.40% 1.45% →
5-Year CD 0.75% 1.66% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

United Security Bank is an FDIC insured institution located in Fresno, CA. It was founded in 1987 and has approximately $0.96 billion in assets. Customers can open an account at one of its 13 branches.

FDIC Insured Yes
FDIC Certificate # 27132
Date Established 1987
Assets $ 955.83 million
Loans $ 588.65 million
Deposits $ 821.27 million
Capital $ 124.66 million

For a more detailed analysis of United Security Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 4, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.10% $1 - Learn More
Money Market
0.10% $2,500 $49,999 Learn More
3 Mo CD
0.12% $1,000 $99,999 Learn More
3 Mo CD
0.22% $100,000 - Learn More
6 Mo CD
0.12% $1,000 $99,999 Learn More
6 Mo CD
0.22% $100,000 - Learn More
12 Mo CD
0.25% $1,000 $99,999 Learn More
12 Mo CD
0.35% $100,000 - Learn More
18 Mo CD
0.30% $1,000 $99,999 Learn More
18 Mo CD
0.35% $100,000 - Learn More
24 Mo CD
0.30% $1,000 $99,999 Learn More
24 Mo CD
0.40% $100,000 - Learn More
36 Mo CD
0.35% $1,000 $99,999 Learn More
36 Mo CD
0.45% $100,000 - Learn More
48 Mo CD
0.45% $1,000 $99,999 Learn More
48 Mo CD
0.55% $100,000 - Learn More
60 Mo CD
0.60% $1,000 $99,999 Learn More
60 Mo CD
0.75% $100,000 - Learn More

Fixed IRA
0.25% $1,000 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.30% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - June 4, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for United Security Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: 13256
3.019% 3.000% 0.25 $625 $1,055 Learn More

Note to United Security Bank
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United Security Bank Locations

Financial Details

United Security Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United Security Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
3.500 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
United Security Bank U.S. Bank Average
14.21% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, United Security Bank had $12,083,000 in non-current loans and $6,753,000 in owned real estate. To cover these potential losses it had $124,663,000 in equity and $7,908,000 in loans loss reserves. That gives it a Texas Ratio of 14.21%.

Return on Equity
United Security Bank U.S. Bank Average
12.22% 9.41%

United Security Bank has a Return on Equity of 12.22% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

United Security Bank U.S. Bank Average
13.04% 12.82%

United Security Bank has a Capitalization of 13.04% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

United Security Bank Balance Sheet Analysis

As of December 31, 2019, United Security Bank had assets of $955,828,000, loans of $588,647,000, and deposits of $821,271,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
Cash & Balances due from depository institutions $ 219.00 million
Interest-bearing balances $ 191.70 million
Total securities $ 80.09 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 588.65 million
Loan loss allowance $ 7.91 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 6.75 million
Goodwill and other intangibles $ 4.49 million
All other assets $ 47.66 million
     Total Assets $ 831.17 million
Total deposits $ 821.27 million
      Interest-bearing deposits $ 506.41 million
      Deposits held in domestic offices $ 821.27 million
      % insured (estimated) 50.86%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 9.89 million
      Total Liabilities $ 831.17 million
      Shareholders’ Equity $ 124.66 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 40.81 million
Total Interest Expense $ 3.43 million
Net interest income $ 37.38 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 4.03 million
Total non interest expense $ 20.70 million
Pre-tax Net Operating Income $ 20.70 million

Bank Loan Profile?

The top three loan types in United Security Bank’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and Commercial and Industrial Loans.

Compared to other banks in California, United Security Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 8.54
Credit Card Loans 0.00
Consumer Auto Loans 0.16
Small Business Loans 3.99
Construction and Development Loans 18.82
Commercial Real Estate 34.88
Commercial and Industrial Loans 12.16
Farm Loans 2.38

Frequently Asked Questions About United Security Bank

Branches and Savings

Is United Security Bank FDIC insured?

Yes. It is covered under FDIC Certificate #27132.

Why does United Security Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are United Security Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is United Security Bank a commercial bank?


Where are United Security Bank locations?

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Is United Security Bank open on Saturdays?

Is United Security Bank open on Sundays?

What time does United Security Bank open?

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Are United Security Bank ATMs Open 24/7?

Do United Security Bank ATMs accept cash deposits?

Can United Security Bank customers use other ATMs?

Do United Security Bank branches have notaries?

Will United Security Bank notarize my document?

What address for United Security Bank should I put for incoming ACH transfers?

Will the United Security Bank branch print checks?

Do United Security Bank checks expire?

Does United Security Bank require US citizenship to open account?

Can United Security Bank close my account?

Does United Security Bank Report to credit bureaus?

Does United Security Bank Use Equifax?

What is United Security Bank's ACH Routing Number?

What is United Security Bank's SWIFT code?


Does United Security Bank offer mortgages?

Compare mortgage rates here.

Does United Security Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United Security Bank offer personal loans?

Compare personal loan rates here.

Does United Security Bank offer student loans?

Will United Security Bank cash a check?

Will United Security Bank redeem a savings bond?

Does United Security Bank cash savings bonds?

Will United Security Bank cash money orders?

Can United Security Bank issue a money order?

Does United Security Bank do currency exchange?

Background on The Bank

Who owns United Security Bank?

How long has United Security Bank been around?

Can United Security Bank transfer to other banks?

Does United Security Bank have quick pay?

Does United Security Bank accept rolled coins?

Will United Security Bank accept loose change?

Where is United Security Bank headquarters?

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