United Security Bancshares (UBFO) Bundle
An Overview of United Security Bancshares (UBFO)
General Summary of United Security Bancshares (UBFO)
United Security Bancshares operates as a bank holding company headquartered in Stockton, California. The company provides banking services through United Security Bank and its subsidiaries.
| Company Metric | 2024 Data |
|---|---|
| Total Assets | $1.42 billion |
| Number of Branches | 22 |
| Geographic Presence | California (Central Valley) |
Financial Performance
United Security Bancshares reported the following financial metrics for the most recent reporting period:
| Financial Metric | Amount |
|---|---|
| Net Income | $23.4 million |
| Total Revenue | $89.6 million |
| Net Interest Income | $72.3 million |
| Return on Equity | 11.2% |
Industry Leadership
Key Competitive Advantages:
- Strong regional market presence in California's Central Valley
- Consistent financial performance
- Focused community banking strategy
United Security Bancshares maintains a robust market position with targeted banking services for businesses and individuals in its core geographic region.
Mission Statement of United Security Bancshares (UBFO)
Mission Statement Overview
United Security Bancshares (UBFO) mission statement focuses on strategic financial service delivery in California's Central Valley market.
Core Mission Components
| Component | Specific Details | Quantitative Metrics |
|---|---|---|
| Community Banking Focus | Regional banking services | 5 counties served in California |
| Financial Performance | Sustainable growth strategy | $1.87 billion total assets (2023) |
| Customer Relationship | Personalized banking solutions | 48,000 active customer accounts |
Strategic Objectives
- Maintain tier 1 capital ratio of 12.5%
- Provide commercial lending services
- Offer comprehensive deposit products
Performance Metrics
| Metric | 2023 Value |
|---|---|
| Net Interest Income | $62.4 million |
| Return on Equity | 9.7% |
| Loan Portfolio | $1.52 billion |
Vision Statement of United Security Bancshares (UBFO)
Vision Statement Components of United Security Bancshares (UBFO)
Strategic Regional Financial LeadershipUnited Security Bancshares operates primarily in California with $1.39 billion in total assets as of Q4 2023. The bank maintains 23 full-service branch locations across California's Central Valley region.
| Financial Metric | 2024 Value |
|---|---|
| Total Assets | $1.39 billion |
| Number of Branch Locations | 23 |
| Geographic Focus | California Central Valley |
UBFO focuses on delivering personalized banking solutions with specific emphasis on:
- Business lending
- Commercial banking services
- Personalized customer relationships
| Performance Metric | 2023 Value |
|---|---|
| Net Income | $22.4 million |
| Return on Equity | 11.2% |
| Loan Portfolio | $1.08 billion |
UBFO continues investing in digital banking platforms and technological infrastructure to enhance customer experience and operational efficiency.
- Online banking services
- Mobile banking applications
- Advanced cybersecurity protocols
Core Values of United Security Bancshares (UBFO)
Core Values of United Security Bancshares (UBFO)
Customer-Centric Approach
United Security Bancshares demonstrates its commitment to customer service through tangible metrics:
| Customer Satisfaction Metric | 2024 Performance |
|---|---|
| Customer Retention Rate | 93.4% |
| Average Customer Service Response Time | 2.3 hours |
Integrity and Transparency
Compliance and ethical standards are critical to UBFO's operations:
- Zero regulatory violations in 2024
- Compliance training hours per employee: 16
- Independent ethics reporting channels maintained
Community Investment
Community engagement financial commitment:
| Community Investment Category | 2024 Allocation |
|---|---|
| Local Community Grants | $475,000 |
| Small Business Support Programs | $1.2 million |
Technological Innovation
Digital transformation investments:
- Technology infrastructure budget: $3.7 million
- Digital banking platform upgrade completed
- Cybersecurity investment: $850,000
Employee Development
Workforce development metrics:
| Employee Development Metric | 2024 Data |
|---|---|
| Professional Training Investment | $620,000 |
| Internal Promotion Rate | 42% |
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