# UNITED SECURITY BANK
FRESNO, CA · FDIC certificate 27132 · asset band $1-10B · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.22B | |
| Deposits | $1.06B | |
| Loans and leases | $937.3M | |
| Total equity | $144.0M | |
| Loans / deposits | 87.02% (p53 of band) | 86.15% |
| Liquid assets / assets | 16.33% (p26 of band) | |
| Uninsured deposits / deposits | 42.24% (p78 of band) | 30.71% |
| Brokered deposits | 6.18% | |
| Wholesale funding | 6.18% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.60% (p80 of band) | 10.45% |
| Unrealized securities loss / equity | -13.42% (p34 of band) | -8.13% |
| AOCI / equity | -0.60% (p34 of band) | |
| ROA (annualized) | 0.10% (p4 of band) | 1.22% |
| Net interest margin | 4.31% (p83 of band) | 3.64% |
| Efficiency ratio | 84.62% (p95 of band) | |
| Noncurrent loans | 0.76% (p64 of band) | 0.54% |
| Net charge-offs (annualized) | 0.25% (p88 of band) | |
| Reserve coverage of noncurrent | 217.60% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 83.90% (p80 of band) | |
| Auto loans | $210,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 104 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 | losing money, charge-offs p90 | brokered >10%, construction >100% equity |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 | assets shrinking, uninsured deposits leaving | losing money, charge-offs p90, capital falling |
| 2012-06 | 3 |  |  |
| 2012-09 | 2 |  | reserve under noncurrent |
| 2012-12 | 1 | reserve under noncurrent | assets shrinking, uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | construction >100% equity |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 1 |  | charge-offs p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | construction >100% equity |
| 2017-06 | 1 | construction >100% equity |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 | capital falling | construction >100% equity |
| 2018-03 | 1 | construction >100% equity | capital falling |
| 2018-06 | 2 | noncurrent p90, reserve under noncurrent | construction >100% equity |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 3 | uninsured deposits >50% |  |
| 2019-09 | 2 |  | uninsured deposits >50% |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | uninsured deposits >50%, charge-offs p90 |  |
| 2020-06 | 5 | capital falling |  |
| 2020-09 | 5 | construction >100% equity | charge-offs p90 |
| 2020-12 | 5 |  |  |
| 2021-03 | 6 | charge-offs p90 |  |
| 2021-06 | 4 |  | noncurrent p90, charge-offs p90 |
| 2021-09 | 6 | noncurrent p90, charge-offs p90 |  |
| 2021-12 | 5 |  | charge-offs p90 |
| 2022-03 | 5 |  |  |
| 2022-06 | 4 |  | capital falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | run vulnerability |  |
| 2023-03 | 5 | charge-offs p90, deposits shrinking, assets shrinking | reserve under noncurrent, construction >100% equity, run vulnerability |
| 2023-06 | 3 | uninsured deposits leaving | uninsured deposits >50%, charge-offs p90, assets shrinking |
| 2023-09 | 6 | uninsured deposits >50%, run vulnerability, assets shrinking |  |
| 2023-12 | 6 |  |  |
| 2024-03 | 4 |  | noncurrent p90, assets shrinking |
| 2024-06 | 3 | assets shrinking | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 0 |  | uninsured deposits >50%, run vulnerability, assets shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 | expense ratio p90 | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-01 [Community West Completes United Security Merger, Forms $5B California Community Bank - National Mortgage Professional](https://news.google.com/rss/articles/CBMixwFBVV95cUxQRjBSbFByYk1WYldDWGNsc3Y4bzJQS2xhMXRZWFNwNzg0NERwSUJOUDBCM21iYUhiN1dQUWJqdEJpZ3cyRElyRmxERWVBZ1FXa3NGZXhBdHRadGxvV3ZQN0N2SXJoc2tZQ3NOWjRvcjdzXzhIbHBvblJkLTc2ekRqRURFUU1HOVpzOUhPeEszMEpEeWUzelZwVFdKTmkzZE5PQkJhR0psTEFTTVh4V1liQmpZdjVrYlBoaEVsZjlPeDJrS2N0RGtZ?oc=5) · National Mortgage Professional
- 2025-12-18 [California’s Community West to acquire United Security in $191.9M deal - Banking Dive](https://news.google.com/rss/articles/CBMitAFBVV95cUxNdDZocGNQajA1cWozMmt6WkRfenBEZnE1a1lXelNkdXFNRUZVaFZyS1JxY0k4TF9icU5nSU9BRWdZUkpxa1I4dlU0THNBUkt6el8wZGVLYm05OGlNaWdiaGlteGx3Qmg2ZE1WY3lxc2pramNPNmdzSmJaRmxDOWs5T2FlQTZGWnpnQmJTdS1KZ29CZ05NRWtSbHFfM3luNUZoa2pHVjNQeW15SjFCNGtxQWdxOGM?oc=5) · Banking Dive
- 2026-03-16 [Community West Bancshares Receives Regulatory Approvals to Merge With United Security Bancshares - Business Wire](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNdng1MlBVS0pWQjFselc3SklWcGgtQ3UwVTE5b1p4WFpMaXVBRGxmNkFTOENBX1FJeTVmWVdSY2JiWjEtbW1vb01hRjNORGw0TXc4MTBhVjJEU3ZzWV9aZC1GaGZ6clpZekhuMHdCREhianRlRjc2NE9rOUUtWjFGSlYyRG1OSXFuOEZRWm43c2lRdWxCMHJ2bFZtRG84XzV0bzFDUk5mLWZqS2s4d0pBTTU2QmNtN19hdlRzWk1lSjJaakhvVUpzbG16NnpqNW5tY3Q2V2c5M1dScFdZeWJiRkdCWTJsZjh2?oc=5) · Business Wire
- 2025-12-17 [Two major Central Valley banks merge, creating $5B banking giant - thebusinessjournal.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPVUpJQVNDWklPdzNGdVBuM0FGdk5BNk0yU1Y4VTV0MldUVzl2czM5MTBIUi1lWGJ6b09JZ3hKdzdpX2R0NFZsaFlka0ZHSnozSXFmZVZQeTV2RUV0bVJlZ2dlYV9OVHI5bzlaWFlod19wRENmMllzWG12OGdvQzE1cV8wZWxkeDZaYWRPdUJjT1lPenBkQWtsN1p3?oc=5) · thebusinessjournal.com
- 2026-03-17 [Community West Bancshares, United Security merger clears FDIC and California approvals - TradingView](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPMFhubUxUS3p4azVZUTRTc2hVMm5Uek1XN1NpUzl3YXlwREtvRC10LWZqejByQ2o1QlFOUmV4MTlkRU54a0VwTHg1c19kUklDX2pvYVk3cXV6M0NRNk1YSFJwZk5hczdOV2dOVUpBZ3VqSXJvWFU0M3E5bGRaMEszb3Zjd2g3NGktbTNISDg0ZmxFbHZlZEU1MmJVZmxaUC03YU5DbkxLSE5kVkRjLU1hdEV1NUtHNEpOcWNBZkRNQXBHY0xUYnIzQXZ1UTNrd29zcWhYVkN0Qm1RQ1JpbVdFbg?oc=5) · TradingView
- 2025-12-17 [Community West, United Security Banks Merge - GV Wire](https://news.google.com/rss/articles/CBMifkFVX3lxTFBtWGtRZjJWSUFvNUJ0d2c3cEtFcENFdVZCdDYyanVYU04ybV9HRUtqOEcxWGhkbThLWEQ3b0oteW1aSHZzbWRzWDA0NG1vT3FHWE5QU19qdjMtcWhwek1TalVkS2hHTEFzTXJtM2lGSlgwb1Q4U3UxejlkSG45dw?oc=5) · GV Wire
- 2026-04-01 [$185.5M merger now complete between local community banks - thebusinessjournal.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPaVcwM1J6WTlmLXRwb3RkSTdzbEhZY0JmUzJONEhtcDZHX0szcTEyY1ktai1JZUwxMTltS2p2UWVoUXB4MW9ZSFJxV3l5ZGRMQXZ6WUNadjRHcW1NR3ZwM3hTUkFSU3hKRFNuWnN2TjNIdmdSMTA5U1BYTm01UnZWVWZTVTZUQVlCMTMwUmNvakxsUQ?oc=5) · thebusinessjournal.com
- 2025-12-17 [Community West Bancshares and United Security Bancshares to Merge - Business Wire](https://news.google.com/rss/articles/CBMivwFBVV95cUxQUHJxaUwzUmttUkdwZlV2R3VrTE5WRzlfOWJjMk82ODhia3ZlVFZlbXpOdHUzdl9mdDBlWFVvcUhMQmh1S2MwQnNnT05QUXEwakJiaG1tRy11aDg4TkZaUks0SXdrOTI2dXpPNnVxbG5zeDEzTWdQMHBfTFZFZHFzcnZFVzhFTEVpQkZlbDd4T2JHbGk2T1IwaGpCZlpUU1BuWVA4eWdxYW5mRC14RWFoRW1TWXhid1k1YnFKSllBRQ?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27132 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/60.json (key "27132", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide