April 19th, 2014
United Security Bank ...response ability

Founded in 1987, United Security Bank is a state-chartered independent community bank headquartered in Fresno, California, and is the wholly-owned subsidiary of United Security Bancshares (NASDAQ: UBFO). The Bank operates eleven branches, four loan centers, and one financial services office in Fresno, Madera, Kern, and Santa Clara Counties, and employs more than 160 people. Today, with more than $770 million in assets, $558 million in deposits and $575 million in loans, United Security Bank continues to seek growth in its market area while enhancing the financial services offered to its customers.

United Security Bank was established by local business people for the purpose of providing a full range of competitively priced banking services to businesses, professionals and individuals within the Central San Joaquin Valley. Over the twenty years since its inception, United Security Bank has expanded its market area to include Fresno, Madera, Kern, and Santa Clara Counties. The Bank’s eleven-branch network includes three in Fresno, and one each in Oakhurst, Caruthers, San Joaquin, Firebaugh, Coalinga, Taft, Bakersfield, and Campbell. Today, United Security Bank is the largest independent bank headquartered in the Central San Joaquin Valley.

The Bank offers an array of loan and deposit products designed for individuals and small to medium sized businesses. In addition to commercial, real estate, and consumer loans tailored to fit the needs of borrowers, and checking, savings, and time deposit accounts for individuals and businesses, the Bank also provides a wide assortment of complimentary services for its customers. These services include on-line banking, on-line bill payment, 24-hour ATM access, wire transfer services, safe deposit boxes, merchant card services, money orders and cashiers checks, wealth management services, and courier services, to name a few.

As a local independent bank, United Security believes strongly in the principles of community banking - prompt response and superior customer service. Our staff is comprised of talented professional bankers who understand and appreciate the challenges facing businesses in the local community. Expertise in commercial real estate and construction lending, as well as small business financing, enables United Security Bank to provide a quality level of service not commonly available. The business and local community knowledge possessed by our Board of Directors and Management enables the Bank to offer superior service for meeting the financial needs of the communities we serve. Our independent community bank structure allows us to respond quickly and provide personalized service consistently to our customers.

United Security Bank has consistently received the highest bank ratings for safety and soundness. For its 2007 operating results, the Bank received a “Commendable Performing Bank” rating as determined by the Findley Reports and the Bank is rated outstanding by bank regulators in Community Reinvestment Act (CRA) performance.