United Security Bancshares (UBFO) — SEC Filings
United Security Bancshares (UBFO) — 39 SEC filings. Latest: 8-K (Apr 1, 2026). Includes 24 8-K, 5 10-Q, 3 10-K.
View United Security Bancshares on SEC EDGAR
Overview
United Security Bancshares (UBFO) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-K filed on Mar 26, 2026: UNITED SECURITY BANCSHARES (UBFO) reported a significant strategic shift with the announcement of an all-stock merger agreement with Community West Bancshares (CWBC) on December 16, 2025, expected to close in Q2 2026. The company, a California state-chartered bank holding company, operates 11 branch
Sentiment Summary
Across 39 filings, the sentiment breakdown is: 37 neutral, 2 mixed. The dominant filing sentiment for United Security Bancshares is neutral.
Filing Type Overview
United Security Bancshares (UBFO) has filed 24 8-K, 3 10-K, 5 10-Q, 1 8-K/A, 1 DEFA14A, 2 DEF 14A, 1 10-K/A, 1 SC 13G, 1 SC 13D/A with the SEC between Jan 2024 to Apr 2026.
Filings by Year
Recent SEC Filings (39)
Risk Profile
Risk Assessment: Of UBFO's 36 recent filings, 1 were flagged as high-risk, 4 as medium-risk, and 31 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Key Executives
- Jagroop Gill
- Kenneth E. Moore, Esq.
Industry Context
United Security Bancshares operates within the highly regulated U.S. banking sector, characterized by intense competition and evolving customer service demands. The industry is influenced by macroeconomic factors such as interest rates, inflation, and economic growth. Consolidation through mergers and acquisitions, like the one proposed with Community West Bancshares, is a common strategy to achieve scale, expand market reach, and enhance operational efficiencies.
Top Tags
8-K (10) · financial-reporting (9) · financials (7) · banking (7) · 8-k (6) · corporate-governance (5) · 10-Q (4) · amendment (3) · shareholder-vote (3) · United Security Bancshares (3)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Market Value of Non-Affiliate Common Stock | $104.2M | As of June 30, 2025, indicating public float. |
| Shares Outstanding | 17.3M | As of March 24, 2026, relevant for per-share calculations. |
| Junior Subordinated Debentures Redeemed in 2025 | $6.0M | Reduces debt, leaving $6.0 million remaining from original $15.0 million. |
| Loan Balances Transferred to YMP in 2025 | $3.6M | Relates to additional real estate acquired through foreclosure. |
| Expected Merger Completion | Q2 2026 | Critical timeline for the all-stock merger with Community West Bancshares. |
| Fresno County Deposit Market Share | 4.75% | UBFO's largest market share, ranking 9th as of June 30, 2025. |
| Total Deposit Market Share (4 Counties) | 0.56% | Combined market share across Fresno, Madera, Kern, and Santa Clara Counties, ranking 17th as of June 30, 2025. |
| Date of Report | 12/16/2025 | Date of the earliest event reported in the 8-K filing. |
| Net Income (Q3 2025) | $4.023M | Increased 5.06% from $3.829M in Q3 2024 |
| Net Income (YTD Q3 2025) | $8.874M | Decreased 27.78% from $12.287M in YTD Q3 2024 |
| Provision for Credit Losses (YTD Q3 2025) | $5.106M | Increased 191.77% from $1.750M in YTD Q3 2024 |
| Total Assets (Sep 30, 2025) | $1.235B | Increased from $1.211B at Dec 31, 2024 |
| Total Loans (Sep 30, 2025) | $960.329M | Increased from $930.244M at Dec 31, 2024 |
| Total Deposits (Sep 30, 2025) | $1.075B | Increased from $1.057B at Dec 31, 2024 |
| Net Interest Income (Q3 2025) | $12.419M | Increased from $11.812M in Q3 2024 |
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Frequently Asked Questions
What are the latest SEC filings for United Security Bancshares (UBFO)?
United Security Bancshares has 39 recent SEC filings from Jan 2024 to Apr 2026, including 24 8-K, 5 10-Q, 3 10-K. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of UBFO filings?
Across 39 filings, the sentiment breakdown is: 37 neutral, 2 mixed. The dominant sentiment is neutral.
Where can I find United Security Bancshares SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all United Security Bancshares (UBFO) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for United Security Bancshares?
Key financial highlights from United Security Bancshares's most recent 10-K include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for UBFO?
The investment thesis for UBFO includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at United Security Bancshares?
Key executives identified across United Security Bancshares's filings include Jagroop Gill, Kenneth E. Moore, Esq..
What are the main risk factors for United Security Bancshares stock?
Of UBFO's 36 assessed filings, 1 were flagged high-risk, 4 medium-risk, and 31 low-risk.
What are recent predictions and forward guidance from United Security Bancshares?
Forward guidance and predictions for United Security Bancshares are extracted from SEC filings as they are enriched.