FAQ

What is United Security Bank's customer base?

United Security Bank's primary customers are individuals, as well as small business and commercial clients located primarily in Fresno and Madera Counties. Business customers annual sales range from $250 thousand to $10 million, with credit needs ranging from $25 thousand to $10 million.
back to top

What is United Security Bank's core business?

United Security Bank offers a wide range of loan and deposit products, including Internet banking, to both individuals and businesses. Commercial real estate and construction development lending comprise a substantial part of United Security’s core business. Small business financing and indirect broker referred home improvement lending are other areas where we specialize.
back to top

Why can United Security Bank provide superior service to its customers?

Because United Security is a local independent bank, the business and local community knowledge possessed by our management and staff enables United Security Bank to make informed decisions, offer superior service, and anticipate the financial needs of customers in the communities we serve. Decisions are made locally and quickly by staff who believe in offering the very best personalized service to their clients.
back to top

What is our long-term corporate growth strategy?

The business strategy of United Security Bank is focusing on increased market share in the communities we serve, and expanding into new markets when sound strategic opportunities present themselves. This growth strategy is based on enhancing shareholder value through increased and consistent profitability and planned asset management.
back to top

How do we continue to produce superior financial results for our shareholders?

Superior financial results are achieved through planned growth in assets, and consistent growth in earnings and dividends to our shareholders. Stability is the key to our success. It is reflected in the way we manage our loan portfolio, control costs, show profitability, and demonstrate capital strength. Stability in growth and earnings are ultimately reflected in the our stock price.
back to top

What can you tell me about United Security Bancshares' stock?

The stock of United Security Bancshares is publicly traded on the Nasdaq Global Select Market under the symbol “UBFO”. Market makers for the stock include Hoefer & Arnett, The Seidler Companies, and Hill Thompson, Magid & Company. Contact investor relations at the United Security Bank, or your broker for further information.
back to top

Does United Security Bancshares have a dividend reinvestment program and how can I participate?

Yes, we offer a dividend reinvestment plan (DRIP) and any shareholder may participate. This allows you to automatically reinvest the quarterly cash dividend from your shares without the cost of a dealers commission. Everything is done automatically for you - all you have to do is sign up! In addition, the plan offers stock certificate safekeeping, fractional share investing, shareholder statements and automatic investing by electronic charge to your bank account.
back to top