Comparing the current results to its competitors, United Security Bancshares reported Revenue decrease in the 4 quarter 2025 year on year by -4.13 %, despite the revenue increase by the most of its competitors of 9.14 %, recorded in the same quarter.
United Security Bancshares Net Income in the 4 quarter 2025 grew year on year by 35.44%, faster than the United Security Bancshares's competitors average income growth of 7.72 %
United Security Bancshares's Comment on Competition and Industry Peers
The banking industry in California, including the Bank's market areas, is highly competitive for loans and deposits. The Bank competes with commercial banks, savings and loan associations, money market funds, credit unions, and other financial institutions by offering competitive interest rates and personalized service. Regulatory restrictions on interstate bank branching, acquisitions, and certain financial services have been reduced or eliminated, increasing competition. Many major commercial banks in the Bank's market areas provide services such as trust and wealth management, which the Bank does not offer directly. Larger banks have higher lending limits and can serve larger customers. The Bank's primary market areas include Fresno, Madera, Santa Clara, and Kern County, California, where 53 FDIC-insured financial institutions operate. As of June 30, 2025, the Bank ranks ninth in Fresno County with a 4.75% deposit market share, tenth in Madera County with 3.31%, fourteenth in Kern County with 0.73%, and forty-second in Santa Clara County with 0.01%, holding a seventeenth overall position in these combined counties with a 0.56% market share.
Publicly Traded Peers of United Security Bancshares
National Bankshares Inc Share Performance
+26.14%
This Year
National Bankshares Inc
Profile
National Bankshares Inc operates as the holding company for National Bank, providing banking services to individuals, businesses, and organizations in its local communities. The company primarily generates revenues through interest income from loans and investments, as well as service charges and fees related to its deposit and lending products. National Bankshares Inc aims to maintain a strong and stable financial position by offering competitive banking solutions and fostering long-term relationships with its customers.
MVB Financial Corp operates as a financial holding company that provides a range of banking products and services. It primarily focuses on serving business customers, including small and medium-sized businesses, through its various banking subsidiaries.
M&T Bank Corporation operates as a regional bank, offering a variety of financial services including commercial and retail banking, mortgage lending, and wealth management to both individual and business customers. The company focuses on building long-term relationships and delivering personalized service to enhance customer satisfaction and loyalty.
Mid Penn Bancorp Inc is a financial holding company that provides a range of banking and financial services through its subsidiary bank, Mid Penn Bank. Their business model revolves around offering retail and commercial banking services, including traditional deposit products, loans, and financial planning services. Through its community-focused approach, Mid Penn Bancorp aims to meet the banking needs of individuals, businesses, and communities in Central Pennsylvania.
MidWestOne Financial Group Inc's business model revolves around providing a wide range of banking and financial services to individuals and businesses, aiming to generate revenue primarily through lending activities and fee-based services. They strive to attract and retain customers by focusing on personalized financial solutions and leveraging technology to enhance their offerings.
Sources:
United Security Bancshares’s official press releases and regulatory filings; CSIMarket.com’s market research; and the financial filings and press releases of other companies cited in this report.
Updated on:
Focus of this report: publicly traded companies.
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