United Security Bancshares Asset Resilience Ratio
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. See United Security Bancshares liquidity coverage in days to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of United Security Bancshares (2001–2025)
Asset resilience ratio of United Security Bancshares from 2001 to 2025. This chart shows how United Security Bancshares's Asset Resilience Ratio has changed over time. Read UBFO total liabilities for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see total assets of United Security Bancshares.
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 |
|---|---|---|
|
Commerzbank AG
XETRA:CBK |
Banks - Regional | 5.22% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
BNK Banking Corporation Ltd
AU:BBC |
Banks - Regional | 8.96% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
|
BBVA Banco Frances SA
BA:BBAR |
Banks - Regional | 7.45% |
|
Banco Patagonia
BA:BPAT |
Banks - Regional | 0.44% |
United Security Bancshares Asset Resilience Ratio by Year (2001–2025)
United Security Bancshares asset resilience ratio by year from 2001 to 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