United Security Bancshares - Asset Resilience Ratio
United Security Bancshares (UBFO) has an Asset Resilience Ratio of 11.20% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read United Security Bancshares balance sheet liabilities for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2001–2025)
This chart shows how United Security Bancshares's Asset Resilience Ratio has changed over time. See United Security Bancshares (UBFO) net assets for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down United Security Bancshares's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see UBFO market cap.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $139.82 Million | 11.2% |
| Total Liquid Assets | $139.82 Million | 11.20% |
Asset Resilience Insights
- Moderate Liquidity: United Security Bancshares has 11.20% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
United Security Bancshares Industry Peers by Asset Resilience Ratio
Compare United Security Bancshares's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Hong Leong Bank Bhd
KLSE:5819 |
Banks - Regional | -6.27% |
|
First Merchants Corporation
NASDAQ:FRME |
Banks - Regional | 7.40% |
|
TF Bank AB
ST:TFBANK |
Banks - Regional | -0.15% |
|
Banco do Estado do Rio Grande do Sul S.A
SA:BRSR3 |
Banks - Regional | 0.00% |
|
Caisse Regionale de Credit Agricole Mutuel d’IlleetVilaine SC
PA:CIV |
Banks - Regional | -6.94% |
|
Blue Foundry Bancorp
NASDAQ:BLFY |
Banks - Regional | 12.71% |
|
Banco Alfa de Investimento S.A
SA:BRIV3 |
Banks - Regional | 0.53% |
|
Caisse Regionale de Credit Agricole Mutuel Loire HauteLoire
PA:CRLO |
Banks - Regional | 2021.38% |
Annual Asset Resilience Ratio for United Security Bancshares (2001–2025)
The table below shows the annual Asset Resilience Ratio data for United Security Bancshares.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 11.20% | $139.82 Million | $1.25 Billion | -1.79pp |
| 2024-12-31 | 12.99% | $157.38 Million | $1.21 Billion | -1.98pp |
| 2023-12-31 | 14.97% | $181.27 Million | $1.21 Billion | -1.01pp |
| 2022-12-31 | 15.97% | $207.54 Million | $1.30 Billion | +2.53pp |
| 2021-12-31 | 13.44% | $178.90 Million | $1.33 Billion | +5.91pp |
| 2020-12-31 | 7.54% | $82.34 Million | $1.09 Billion | -0.44pp |
| 2019-12-31 | 7.97% | $76.31 Million | $956.92 Million | +0.86pp |
| 2018-12-31 | 7.12% | $66.43 Million | $933.06 Million | +1.45pp |
| 2017-12-31 | 5.67% | $45.72 Million | $805.84 Million | -1.62pp |
| 2016-12-31 | 7.30% | $57.49 Million | $787.68 Million | +3.04pp |
| 2015-12-31 | 4.26% | $30.89 Million | $725.64 Million | -3.03pp |
| 2014-12-31 | 7.28% | $48.30 Million | $663.17 Million | +0.42pp |
| 2013-12-31 | 6.86% | $43.62 Million | $635.93 Million | +1.95pp |
| 2012-12-31 | 4.91% | $31.84 Million | $648.88 Million | -1.00pp |
| 2011-12-31 | 5.90% | $38.46 Million | $651.33 Million | +5.63pp |
| 2010-12-31 | 0.27% | $1.85 Million | $678.21 Million | -10.04pp |
| 2009-12-31 | 10.31% | $71.41 Million | $692.57 Million | -1.88pp |
| 2008-12-31 | 12.19% | $92.75 Million | $761.08 Million | +0.60pp |
| 2007-12-31 | 11.59% | $89.42 Million | $771.72 Million | -0.70pp |
| 2006-12-31 | 12.29% | $83.37 Million | $678.31 Million | -2.85pp |
| 2005-12-31 | 15.14% | $95.24 Million | $628.86 Million | -3.21pp |
| 2004-12-31 | 18.35% | $112.25 Million | $611.70 Million | +1.82pp |
| 2003-12-31 | 16.53% | $83.73 Million | $506.59 Million | +11.72pp |
| 2002-12-31 | 4.81% | $24.96 Million | $519.32 Million | +1.85pp |
| 2001-12-31 | 2.95% | $13.31 Million | $450.93 Million | -- |
About United Security Bancshares
United Security Bancshares operates as the bank holding company for United Security Bank that provides a range of commercial banking services in the United States. The company offers deposit instruments, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also pro… Read more