$UBFO
UNITED SECURITY BANCSHARES

2023 Q4 Form 10-Q Financial Statement

#000113754723000146 Filed on November 15, 2023

View on sec.gov

Income Statement

Concept 2023 Q4 2023 Q3
Revenue $686.0K
YoY Change -23.69%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $349.0K $370.0K
YoY Change -1.69% 9.47%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $3.407M
YoY Change 331.81%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $7.203M $5.410M
YoY Change -4.18% -14.18%
Income Tax $1.803M $1.600M
% Of Pretax Income 25.03% 29.57%
Net Earnings $5.400M $3.853M
YoY Change 1.09% -13.75%
Net Earnings / Revenue 561.66%
Basic Earnings Per Share $0.22
Diluted Earnings Per Share $0.31 $0.22
COMMON SHARES
Basic Shares Outstanding 17.14M shares 17.09M shares
Diluted Shares Outstanding 17.14M shares

Balance Sheet

Concept 2023 Q4 2023 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $40.78M $35.30M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $10.44M $10.70M
YoY Change -11.21% 0.93%
Goodwill $4.500M $4.500M
YoY Change 0.0% 0.27%
Intangibles
YoY Change
Long-Term Investments $3.200M
YoY Change
Other Assets $14.05M $15.60M
YoY Change 9.58% 30.48%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $1.211B $1.273B
YoY Change -6.78% -7.02%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $1.437M $1.600M
YoY Change -31.34% -28.73%
Deferred Revenue
YoY Change
Short-Term Debt $62.00M $142.0M
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $63.44M $143.6M
YoY Change 2930.91% 6296.44%
LONG-TERM LIABILITIES
Long-Term Debt $11.21M $11.00M
YoY Change 3.03% 6.74%
Other Long-Term Liabilities $9.376M $15.90M
YoY Change 13.37% 80.58%
Total Long-Term Liabilities $20.59M $26.90M
YoY Change 7.5% 40.76%
TOTAL LIABILITIES
Total Short-Term Liabilities $63.44M $143.6M
Total Long-Term Liabilities $20.59M $26.90M
Total Liabilities $1.089B $1.158B
YoY Change -8.28% -8.25%
SHAREHOLDERS EQUITY
Retained Earnings $77.00M $73.65M
YoY Change 10.11% 10.82%
Common Stock $60.59M $60.52M
YoY Change 0.92% 1.0%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $122.5M $115.0M
YoY Change
Total Liabilities & Shareholders Equity $1.211B $1.273B
YoY Change -6.78% -7.02%

Cashflow Statement

Concept 2023 Q4 2023 Q3
OPERATING ACTIVITIES
Net Income $5.400M $3.853M
YoY Change 1.09% -13.75%
Depreciation, Depletion And Amortization $349.0K $370.0K
YoY Change -1.69% 9.47%
Cash From Operating Activities $6.716M -$2.990M
YoY Change -22.56% -141.25%
INVESTING ACTIVITIES
Capital Expenditures $257.0K $220.0K
YoY Change -59.84% -129.18%
Acquisitions
YoY Change
Other Investing Activities $64.06M -$110.0K
YoY Change -450.25% -99.4%
Cash From Investing Activities $63.80M -$330.0K
YoY Change -437.05% -98.28%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -65.03M -19.78M
YoY Change -15.74% -164.33%
NET CHANGE
Cash From Operating Activities 6.716M -2.990M
Cash From Investing Activities 63.80M -330.0K
Cash From Financing Activities -65.03M -19.78M
Net Change In Cash 5.489M -23.10M
YoY Change -106.28% -222.96%
FREE CASH FLOW
Cash From Operating Activities $6.716M -$2.990M
Capital Expenditures $257.0K $220.0K
Free Cash Flow $6.459M -$3.210M
YoY Change -19.59% -140.11%

Facts In Submission

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us-gaap Increase Decrease In Other Deposits
IncreaseDecreaseInOtherDeposits
45316000 usd
us-gaap Increase Decrease In Time Deposits
IncreaseDecreaseInTimeDeposits
7397000 usd
us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
0 usd
us-gaap Proceeds From Repayments Of Short Term Debt
ProceedsFromRepaymentsOfShortTermDebt
0 usd
us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
5624000 usd
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
47089000 usd
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
-93187000 usd
CY2022Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
126032000 usd
us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Reclassifications:</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Some items in the prior year financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior period net income or shareholders’ equity.</span></div>
CY2023Q3 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
214645000 usd
CY2023Q3 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
24000 usd
CY2023Q3 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
30028000 usd
CY2023Q3 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
184641000 usd
CY2022Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
234610000 usd
CY2022Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
17000 usd
CY2022Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
27082000 usd
CY2022Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
207545000 usd
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
20134000 usd
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
19854000 usd
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
28967000 usd
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
27129000 usd
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
60141000 usd
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
48998000 usd
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
2458000 usd
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
2456000 usd
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Without Single Maturity Date Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost
102945000 usd
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Without Single Maturity Date Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue
86204000 usd
CY2023Q3 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
214645000 usd
CY2023Q3 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
184641000 usd
CY2023Q3 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
0 usd
CY2022Q3 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
0 usd
us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
0 usd
us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
15676000 usd
CY2023Q3 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
0 usd
CY2022Q3 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
0 usd
us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
0 usd
us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
78000 usd
CY2023Q3 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
0 usd
CY2022Q3 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
0 usd
us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
0 usd
us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
48000 usd
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
242000 usd
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
3000 usd
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
177290000 usd
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
30025000 usd
CY2023Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
177532000 usd
CY2023Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
30028000 usd
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
87106000 usd
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
5630000 usd
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
114717000 usd
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
21452000 usd
CY2022Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
201823000 usd
CY2022Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
27082000 usd
CY2023Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
109 security
CY2022Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
114 security
us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-99000 usd
us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-458000 usd
CY2023Q3 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-92000 usd
CY2022Q3 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-149000 usd
CY2022Q4 us-gaap Trading Securities
TradingSecurities
0 usd
CY2022Q4 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
0 usd
CY2023Q3 us-gaap Trading Securities
TradingSecurities
0 usd
CY2023Q3 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
0 usd
CY2023Q3 us-gaap Notes Receivable Gross
NotesReceivableGross
972871000 usd
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
980178000 usd
CY2023Q3 us-gaap Notes Receivable Gross
NotesReceivableGross
972871000 usd
CY2023Q3 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
0 usd
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
980178000 usd
CY2022Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
252000 usd
ubfo Period Of Default Minimum
PeriodOfDefaultMinimum
P90D
ubfo Number Of Monthly Payments To Demonstrate Repayment Ability
NumberOfMonthlyPaymentsToDemonstrateRepaymentAbility
6 payment
CY2022 ubfo Financing Receivable Remaining Undisbursed Commitments Loan Funds
FinancingReceivableRemainingUndisbursedCommitmentsLoanFunds
0 usd
ubfo Financing Receivable Remaining Undisbursed Commitments Loan Funds
FinancingReceivableRemainingUndisbursedCommitmentsLoanFunds
0 usd
CY2023Q3 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
13097000 usd
CY2023Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
14165000 usd
CY2023Q3 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
0 usd
CY2022Q4 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
14436000 usd
CY2022Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
14544000 usd
CY2022Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
252000 usd
ubfo Number Of Risk Rating Approaches
NumberOfRiskRatingApproaches
2 rating
CY2023Q3 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
61474000 usd
CY2023Q3 us-gaap Financing Receivable Originated In Fiscal Year Before Latest Fiscal Year
FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear
154934000 usd
CY2023Q3 us-gaap Financing Receivable Originated Two Years Before Latest Fiscal Year
FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear
269317000 usd
CY2023Q3 us-gaap Financing Receivable Originated Three Years Before Latest Fiscal Year
FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear
105369000 usd
CY2023Q3 us-gaap Financing Receivable Originated Four Years Before Latest Fiscal Year
FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear
67003000 usd
CY2023Q3 us-gaap Financing Receivable Originated Five Or More Years Before Latest Fiscal Year
FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
188074000 usd
CY2023Q3 us-gaap Financing Receivable Revolving
FinancingReceivableRevolving
126700000 usd
CY2023Q3 us-gaap Financing Receivable Revolving Converted To Term Loan
FinancingReceivableRevolvingConvertedToTermLoan
0 usd
CY2023Q3 us-gaap Notes Receivable Gross
NotesReceivableGross
972871000 usd
ubfo Numberof Loan Portfolio Segment
NumberofLoanPortfolioSegment
10 segment
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
16110000 usd
CY2023Q3 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
0 usd
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
603000 usd
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
142000 usd
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses Period Increase Decrease
FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease
461000 usd
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
15649000 usd
CY2022Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
9907000 usd
CY2022Q3 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-607000 usd
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
464000 usd
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
13000 usd
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Period Increase Decrease
FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease
451000 usd
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
10063000 usd
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
10182000 usd
us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-452000 usd
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
1587000 usd
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
235000 usd
us-gaap Financing Receivable Allowance For Credit Losses Period Increase Decrease
FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease
1352000 usd
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
15649000 usd
us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-1218000 usd
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
828000 usd
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
340000 usd
us-gaap Financing Receivable Allowance For Credit Losses Period Increase Decrease
FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease
488000 usd
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
10063000 usd
CY2023Q3 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
386258000 usd
CY2022Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
481629000 usd
CY2023Q3 us-gaap Deposits Money Market Deposits And Negotiable Order Of Withdrawal Now
DepositsMoneyMarketDepositsAndNegotiableOrderOfWithdrawalNOW
409193000 usd
CY2022Q4 us-gaap Deposits Money Market Deposits And Negotiable Order Of Withdrawal Now
DepositsMoneyMarketDepositsAndNegotiableOrderOfWithdrawalNOW
499861000 usd
CY2023Q3 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
120353000 usd
CY2022Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
125946000 usd
CY2023Q3 ubfo Time Deposits Less Than250000
TimeDepositsLessThan250000
69875000 usd
CY2022Q4 ubfo Time Deposits Less Than250000
TimeDepositsLessThan250000
42933000 usd
CY2023Q3 us-gaap Time Deposits At Or Above Fdic Insurance Limit
TimeDepositsAtOrAboveFDICInsuranceLimit
1952000 usd
CY2022Q4 us-gaap Time Deposits At Or Above Fdic Insurance Limit
TimeDepositsAtOrAboveFDICInsuranceLimit
15115000 usd
CY2023Q3 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
601373000 usd
CY2022Q4 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
683855000 usd
CY2023Q3 us-gaap Deposits
Deposits
987631000 usd
CY2022Q4 us-gaap Deposits
Deposits
1165484000 usd
CY2023Q3 us-gaap Federal Funds Purchased And Securities Sold Under Agreements To Repurchase
FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase
17000000 usd
CY2022Q4 us-gaap Federal Funds Purchased And Securities Sold Under Agreements To Repurchase
FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase
0 usd
ubfo Lessee Operating Lease Number Of Contracts
LesseeOperatingLeaseNumberOfContracts
13 contract
ubfo Lessee Financing Lease Number Of Contracts
LesseeFinancingLeaseNumberOfContracts
0 contract
ubfo Lessee Operating Lease Number Of Contracts
LesseeOperatingLeaseNumberOfContracts
13 contract
ubfo Lessee Financing Lease Number Of Contracts
LesseeFinancingLeaseNumberOfContracts
0 contract
CY2023Q3 us-gaap Operating Lease Cost
OperatingLeaseCost
178000 usd
CY2022Q3 us-gaap Operating Lease Cost
OperatingLeaseCost
185000 usd
us-gaap Operating Lease Cost
OperatingLeaseCost
533000 usd
us-gaap Operating Lease Cost
OperatingLeaseCost
553000 usd
CY2023Q3 us-gaap Variable Lease Cost
VariableLeaseCost
0 usd
CY2022Q3 us-gaap Variable Lease Cost
VariableLeaseCost
0 usd
us-gaap Variable Lease Cost
VariableLeaseCost
0 usd
us-gaap Variable Lease Cost
VariableLeaseCost
0 usd
CY2023Q3 us-gaap Lease Cost
LeaseCost
178000 usd
CY2022Q3 us-gaap Lease Cost
LeaseCost
185000 usd
us-gaap Lease Cost
LeaseCost
533000 usd
us-gaap Lease Cost
LeaseCost
553000 usd
us-gaap Operating Lease Payments
OperatingLeasePayments
533000 usd
us-gaap Operating Lease Payments
OperatingLeasePayments
553000 usd
CY2023Q3 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P4Y2M26D
CY2022Q3 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P4Y7M2D
CY2023Q3 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0510
CY2022Q3 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0512
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Remainder Of Fiscal Year
LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear
640000 usd
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
450000 usd
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
218000 usd
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
122000 usd
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
110000 usd
CY2023Q3 ubfo Lessee Operating Lease Liability To Be Paid After Year Four
LesseeOperatingLeaseLiabilityToBePaidAfterYearFour
237000 usd
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
1777000 usd
CY2023Q3 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
178000 usd
CY2023Q3 us-gaap Operating Lease Liability
OperatingLeaseLiability
1599000 usd
us-gaap Interest Paid Net
InterestPaidNet
7853000 usd
us-gaap Interest Paid Net
InterestPaidNet
1907000 usd
us-gaap Income Taxes Paid
IncomeTaxesPaid
0 usd
us-gaap Income Taxes Paid
IncomeTaxesPaid
4825000 usd
ubfo Cumulative Effect Of Change In Accounting Principle
CumulativeEffectOfChangeInAccountingPrinciple
6367000 usd
ubfo Cumulative Effect Of Change In Accounting Principle
CumulativeEffectOfChangeInAccountingPrinciple
0 usd
us-gaap Other Comprehensive Income Defined Benefit Plans Net Unamortized Gain Loss Arising During Period Net Of Tax
OtherComprehensiveIncomeDefinedBenefitPlansNetUnamortizedGainLossArisingDuringPeriodNetOfTax
66000 usd
us-gaap Other Comprehensive Income Defined Benefit Plans Net Unamortized Gain Loss Arising During Period Net Of Tax
OtherComprehensiveIncomeDefinedBenefitPlansNetUnamortizedGainLossArisingDuringPeriodNetOfTax
67000 usd
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
-2939000 usd
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
-29232000 usd
us-gaap Other Comprehensive Income Loss Financial Liability Fair Value Option Unrealized Gain Loss Arising During Period After Tax
OtherComprehensiveIncomeLossFinancialLiabilityFairValueOptionUnrealizedGainLossArisingDuringPeriodAfterTax
523000 usd
us-gaap Other Comprehensive Income Loss Financial Liability Fair Value Option Unrealized Gain Loss Arising During Period After Tax
OtherComprehensiveIncomeLossFinancialLiabilityFairValueOptionUnrealizedGainLossArisingDuringPeriodAfterTax
3419000 usd
us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
2056000 usd
us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
1874000 usd
CY2023Q3 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.12
ubfo Increase Decrease In Dividends Payable
IncreaseDecreaseInDividendsPayable
2100000 usd
CY2023Q3 us-gaap Stock Repurchase Program Authorized Amount1
StockRepurchaseProgramAuthorizedAmount1
3000000 usd
CY2023Q3 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
3853000 usd
CY2022Q3 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
4467000 usd
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
14395000 usd
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
10345000 usd
CY2023Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
17132080 shares
CY2022Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
17042479 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
17103982 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
17036460 shares
CY2023Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
8124 shares
CY2022Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
21468 shares
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
11893 shares
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
21178 shares
CY2023Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
17140204 shares
CY2022Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
17063947 shares
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
17115875 shares
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
17057638 shares
CY2023Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.22
CY2022Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.26
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.84
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.61
CY2023Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.22
CY2022Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.26
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.84
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.61
CY2023Q3 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
90000 shares
CY2022Q3 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
93000 shares
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
98000 shares
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
93000 shares
CY2022Q4 us-gaap Deferred Tax Assets Valuation Allowance
DeferredTaxAssetsValuationAllowance
0 usd
CY2023Q3 us-gaap Deferred Tax Assets Valuation Allowance
DeferredTaxAssetsValuationAllowance
0 usd
CY2023Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1600000 usd
CY2022Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1800000 usd
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
5900000 usd
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
4200000 usd
CY2023Q3 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.288
CY2022Q3 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.291
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.290
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.289
us-gaap Fair Value Option Credit Risk Gains Losses On Assets
FairValueOptionCreditRiskGainsLossesOnAssets
29000 usd
us-gaap Fair Value Option Credit Risk Gains Losses On Assets
FairValueOptionCreditRiskGainsLossesOnAssets
950000 usd
us-gaap Fair Value Option Credit Risk Gains Losses On Assets
FairValueOptionCreditRiskGainsLossesOnAssets
29000 usd
ubfo Fair Value Option Credit Risk Gross Loss On Assets
FairValueOptionCreditRiskGrossLossOnAssets
553000 usd
ubfo Fair Value Option Credit Risk Losses On Assets Net
FairValueOptionCreditRiskLossesOnAssetsNet
390000 usd
ubfo Fair Value Option Credit Risk Gain Loss On Assets Net Before Tax
FairValueOptionCreditRiskGainLossOnAssetsNetBeforeTax
523000 usd
ubfo Fair Value Option Credit Risk Gain On Assets Net
FairValueOptionCreditRiskGainOnAssetsNet
368000 usd
us-gaap Fair Value Option Credit Risk Gains Losses On Assets
FairValueOptionCreditRiskGainsLossesOnAssets
950000 usd
ubfo Fair Value Option Credit Risk Gain Loss On Assets Net Before Tax
FairValueOptionCreditRiskGainLossOnAssetsNetBeforeTax
-2500000 usd
ubfo Fair Value Option Credit Risk Loss On Assets Net
FairValueOptionCreditRiskLossOnAssetsNet
1700000 usd
ubfo Fair Value Option Credit Risk Gross Gain On Assets
FairValueOptionCreditRiskGrossGainOnAssets
3400000 usd
ubfo Fair Value Option Credit Risk Gain On Assets Net
FairValueOptionCreditRiskGainOnAssetsNet
2400000 usd
CY2022Q3 us-gaap Fair Value Option Credit Risk Gains Losses On Assets
FairValueOptionCreditRiskGainsLossesOnAssets
225000 usd
CY2023Q3 us-gaap Fair Value Option Credit Risk Gains Losses On Assets
FairValueOptionCreditRiskGainsLossesOnAssets
-234000 usd
CY2023Q3 ubfo Fair Value Option Credit Risk Gross Loss On Assets
FairValueOptionCreditRiskGrossLossOnAssets
811000 usd
CY2023Q3 ubfo Fair Value Option Credit Risk Losses On Assets Net
FairValueOptionCreditRiskLossesOnAssetsNet
571000 usd
CY2023Q3 ubfo Fair Value Option Credit Risk Gain Loss On Assets Net Before Tax
FairValueOptionCreditRiskGainLossOnAssetsNetBeforeTax
576000 usd
CY2023Q3 us-gaap Other Comprehensive Income Loss Financial Liability Fair Value Option Unrealized Gain Loss Arising During Period After Tax
OtherComprehensiveIncomeLossFinancialLiabilityFairValueOptionUnrealizedGainLossArisingDuringPeriodAfterTax
406000 usd
CY2022Q3 us-gaap Fair Value Option Credit Risk Gains Losses On Assets
FairValueOptionCreditRiskGainsLossesOnAssets
225000 usd
CY2022Q3 ubfo Fair Value Option Credit Risk Gross Loss On Assets
FairValueOptionCreditRiskGrossLossOnAssets
600000 usd
CY2022Q3 ubfo Fair Value Option Credit Risk Gain Loss On Assets Net Before Tax
FairValueOptionCreditRiskGainLossOnAssetsNetBeforeTax
825000 usd
CY2022Q3 us-gaap Other Comprehensive Income Loss Financial Liability Fair Value Option Unrealized Gain Loss Arising During Period After Tax
OtherComprehensiveIncomeLossFinancialLiabilityFairValueOptionUnrealizedGainLossArisingDuringPeriodAfterTax
581000 usd
CY2023Q3 us-gaap Goodwill
Goodwill
4500000 usd
CY2022Q4 us-gaap Goodwill
Goodwill
4500000 usd
ubfo Minimum Term Of Guarantees
MinimumTermOfGuarantees
P1M
ubfo Maximum Term Of Guarantees
MaximumTermOfGuarantees
P3Y

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