- United Security Bancshares reported **net income of $4.0 million** for the third quarter of 2025, a **5.07% increase** compared to $3.8 million for the same period in 2024. **Earnings per basic and diluted share were $0.23** for Q3 2025, up from $0.22 in Q3 2024.  **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:1]** **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:2]** **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:13]** 
- The company's profitability metrics improved, with **net interest margin increasing to 4.35%** for Q3 2025 from 4.20% in Q3 2024. **Annualized return on average assets (ROAA) rose to 1.29%** from 1.24%, and **annualized return on average equity (ROAE) increased to 11.68%** from 11.63%.  **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:1]** **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:2]** **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:3]** **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:14]** **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:16]** 
- **Total loans, net of unearned fees, increased 3.22% to $958.3 million**, and **total deposits increased 1.73% to $1.08 billion** as of September 30, 2025, compared to December 31, 2024.  **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:1]** **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:15]** 
- The **provision for credit losses decreased to $948,000** for Q3 2025, compared to $1.6 million for Q3 2024, primarily due to a decrease in student loan charge-offs.  **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:1]** **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:9]** **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:13]**  However, for the nine months ended September 30, 2025, the provision for credit losses increased to $5.1 million, compared to $1.8 million for the same period in 2024.  **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:5]** **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:9]** **[1137547_0001137547-25-000123_ubfoq32025earningsreleaseex.htm:13]**

UNITED SECURITY BANCSHARES (UBFO)