| Metric | United Security Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.0% | +0.3 pts |
| Deposit growth (YoY) | +4.2% | +2.5% | +1.7 pts |
| Loan growth (YoY) | +9.0% | +2.6% | +6.4 pts |
| ROA | 1.83% | 0.99% | +0.8 pts |
| ROE | 15.8% | 8.1% | +7.7 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $97.2M | $81.2M | $75.6M | $11.8M | $898K | 1.83% | 4.02% | 0.00% |
| Q1 2026 | $98.2M | $77.9M | $74.9M | $11.1M | $448K | 1.82% | 3.94% | 0.00% |
| Q4 2025 | $98.6M | $81.0M | $74.1M | $11.2M | $1.2M | 1.27% | 3.62% | 0.00% |
| Q3 2025 | $96.4M | $82.3M | $71.3M | $10.9M | $993K | 1.41% | 3.55% | 0.00% |
| Q2 2025 | $94.2M | $78.0M | $69.3M | $10.0M | $608K | 1.31% | 3.44% | 0.34% |
| Q1 2025 | $91.8M | $76.0M | $66.6M | $9.6M | $280K | 1.21% | 3.34% | 0.00% |
| Q4 2024 | $93.4M | $74.9M | $66.0M | $9.1M | $862K | 0.93% | 3.08% | 0.00% |
| Q3 2024 | $93.3M | $71.7M | $64.0M | $9.6M | $734K | 1.06% | 3.02% | 0.00% |
Loan mix (Q2 2026): real estate $67.3M · commercial $2.4M · consumer $5.8M · securities $16.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | United Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 0.99% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 8.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.6% | 70.8% | 11th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | United Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | United Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | United Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | United Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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