United Security Bancshare | 8-K: FY2026 Q1 Revenue: USD 17.24 M

Revenue: As of FY2026 Q1, the actual value is USD 17.24 M.

EPS: As of FY2026 Q1, the actual value is USD 0.23.

EBIT: As of FY2026 Q1, the actual value is USD -5.816 M.

Net Income

• Net income for the quarter ended September 30, 2025, was $4.0 million, a 5.07% increase from $3.8 million for the same period in 2024.

Net Interest Margin

• The net interest margin increased to 4.35% for the quarter ended September 30, 2025, from 4.20% for the quarter ended September 30, 2024.

Interest Income and Expense

• Total interest income decreased by 0.82% to $15.6 million, compared to $15.8 million for the third quarter of 2024.
• Interest expense decreased by 18.67% to $3.2 million, compared to $3.9 million for the third quarter of 2024.

Noninterest Income

• Noninterest income decreased by 20.02% to $1.6 million, compared to $2.0 million for the quarter ended September 30, 2024.

Noninterest Expense

• Noninterest expense increased by 4.09% to $7.4 million, compared to $7.1 million for the quarter ended September 30, 2024.

Provision for Credit Losses

• The provision for credit losses was $948,000 for the quarter ended September 30, 2025, compared to $1.6 million for the quarter ended September 30, 2024.

Total Loans and Deposits

• Total loans, net of unearned fees, increased by 3.22% to $958.3 million, compared to $928.5 million at December 31, 2024.
• Total deposits increased by 1.73% to $1.08 billion, compared to $1.06 billion at December 31, 2024.

Outlook / Guidance

• The company remains well-capitalized and expects to maintain adequate capital levels. The Board of Directors declared a cash dividend of $0.12 per share, payable on October 21, 2025.