United Security Bancshares (UBFO) — Defensive Interval Ratio
United Security Bancshares (UBFO) has a Defensive Interval Ratio of 127 days as of December 2025. Defensive assets of $146.98 Million (cash $-, short-term investments $139.82 Million, receivables $7.16 Million) cover 127 days of daily cash needs of $1.16 Million/day. Check tangible equity quality of United Security Bancshares to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
United Security Bancshares Defensive Interval Ratio (2000–2025)
This chart shows how United Security Bancshares's Defensive Interval Ratio has evolved across 26 annual periods from 2000 to 2025. As of December 2025, the ratio stands at 127 days, meaning defensive assets of $146.98 Million can fund 127 days of operations without new revenue. Also explore United Security Bancshares (UBFO) net asset momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for United Security Bancshares (2000–2025)
The table below presents the year-by-year Defensive Interval Ratio for United Security Bancshares from 2000 to 2025, covering 26 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see how much is United Security Bancshares worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 127 days | $146.98 Million | $1.16 Million/day | $- | $139.82 Million | ▲ +70 days |
| 2024 | 57 days | $165.49 Million | $2.90 Million/day | $- | $157.38 Million | ▼ -8 days |
| 2023 | 65 days | $189.19 Million | $2.92 Million/day | $- | $181.27 Million | ▼ -3 days |
| 2022 | 68 days | $216.03 Million | $3.19 Million/day | $- | $207.54 Million | ▲ +10 days |
| 2021 | 57 days | $186.43 Million | $3.26 Million/day | $- | $178.90 Million | ▼ -1011446 days |
| 2020 | 1011503 days | $91.45 Million | $90.41/day | $- | $82.34 Million | ▲ +1011466 days |
| 2019 | 38 days | $84.52 Million | $2.24 Million/day | $- | $76.31 Million | ▲ +4 days |
| 2018 | 34 days | $74.77 Million | $2.21 Million/day | $- | $66.43 Million | ▼ -433387 days |
| 2017 | 433421 days | $52.25 Million | $120.55/day | $- | $45.72 Million | ▲ +138607 days |
| 2016 | 294814 days | $61.39 Million | $208.22/day | $- | $57.49 Million | ▼ -121953 days |
| 2015 | 416767 days | $33.11 Million | $79.45/day | $- | $30.89 Million | ▼ -41563 days |
| 2014 | 458331 days | $50.23 Million | $109.59/day | $- | $48.30 Million | ▲ +458300 days |
| 2013 | 30 days | $45.26 Million | $1.49 Million/day | $- | $43.62 Million | ▲ +9 days |
| 2012 | 22 days | $33.54 Million | $1.54 Million/day | $- | $31.84 Million | ▼ -4 days |
| 2011 | 26 days | $40.40 Million | $1.57 Million/day | $- | $38.46 Million | ▲ +23 days |
| 2010 | 2 days | $4.00 Million | $1.63 Million/day | $- | $1.85 Million | ▼ -42 days |
| 2009 | 44 days | $73.91 Million | $1.66 Million/day | $- | $71.41 Million | ▼ -7 days |
| 2008 | 52 days | $95.14 Million | $1.83 Million/day | $- | $92.75 Million | ▲ +2 days |
| 2007 | 50 days | $93.07 Million | $1.85 Million/day | $- | $89.42 Million | ▼ -4 days |
| 2006 | 54 days | $87.60 Million | $1.62 Million/day | $- | $83.37 Million | ▼ -11 days |
| 2005 | 66 days | $98.63 Million | $1.50 Million/day | $- | $95.24 Million | ▼ -12 days |
| 2004 | 78 days | $114.77 Million | $1.47 Million/day | $- | $112.25 Million | ▲ +7 days |
| 2003 | 71 days | $85.84 Million | $1.21 Million/day | $- | $83.73 Million | ▲ +49 days |
| 2002 | 22 days | $27.40 Million | $1.26 Million/day | $- | $24.96 Million | ▲ +6 days |
| 2001 | 16 days | $17.06 Million | $1.10 Million/day | $- | $13.31 Million | ▲ +12 days |
| 2000 | 4 days | $3.54 Million | $878.44K/day | $- | $- | — |