United Security Bank
United Security Bank was a Fresno, California-based state-chartered community bank providing personal and business banking — checking, savings, CDs, consumer, commercial, real estate, and agricultural loans — to retail customers and SMBs across 13 Central California branches before its April 2026 merger with Community West Bancshares.
- Company typePublic
- Founded1988
- HeadquartersFresno, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What United Security Bank does
United Security Bank was a state-chartered independent community bank founded in 1988 and headquartered at 2126 Inyo Street, Fresno, California. The bank operated 13 branch locations across Central California spanning Fresno, Bakersfield, Campbell, and smaller communities (Caruthers, Coalinga, Firebaugh, Kerman, Mendota, Oakhurst, San Joaquin, Taft, Coarsegold, Fowler), serving personal and business banking customers with a relationship-focused model emphasizing local decision-making and community ties. Its offering covered the full community bank stack: personal and business checking and savings accounts, certificates of deposit, IRAs, consumer loans (including unsecured personal loans starting at $15,000), commercial and industrial loans, real estate loans, agricultural loans, and cash management services (ACH origination, Positive Pay, Remote Deposit Capture, Wire Transfers).
Technology was sourced primarily through third-party integrations rather than proprietary development: a Fiserv-powered mobile banking application (iOS and Android), web-based consumer online banking with bill pay and e-statements, e-business solutions with live chat, account-to-account transfer capability, and Zelle peer-to-peer payment integration. Deposit reordering was handled via Harland Clark. The bank held FDIC insurance, Equal Housing Lender designation, and WCAG 2.0 Level AA accessibility compliance.
Revenue was generated through interest income on commercial, real estate, agricultural, and consumer lending, deposit and fee services, and a quarterly cash dividend to shareholders ($0.12 per share declared December 2025). Reported annual revenue was approximately $65.9M with a headcount of 101-250 employees. Following an all-stock merger agreement announced December 17, 2025 with Community West Bancshares, regulatory approval in March 2026, and closing on April 1, 2026, United Security Bancshares was absorbed into Community West Bancshares, creating a $5 billion-asset franchise operating 41 branches across 31 Central California communities with systems integration planned for summer 2026.
United Security Bank firmographics
Firmographics- Name
- United Security Bank
- Legal name
- United Security Bank
- Website
- https://unitedsecuritybank.com
- Company type
- Public
- Founded year
- 1988
- Operating status
- Acquired
- Headcount range
- 101–250 employees
- Short description
- United Security Bank was a Fresno, California-based state-chartered community bank providing personal and business banking — checking, savings, CDs, consumer, commercial, real estate, and agricultural loans — to retail customers and SMBs across 13 Central California branches before its April 2026 merger with Community West Bancshares.
- Ownership category
- akta.pro rank
United Security Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
Keywords
Where United Security Bank is headquartered
LocationHeadquarters
- HQ city
- Fresno
- HQ country
- United States
- HQ region
- North America
Offices13 records
Markets served
United Security Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income: Traditional banking revenue from interest earned on loans including commercial, real estate, agricultural, and consumer lending products
- Deposit and Fee Services: Fee income from checking accounts, savings accounts, certificates of deposit, cash management services, and other banking services
- Dividend Income: Quarterly cash dividend payments to shareholders; declared $0.12 per share in December 2025
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Unsecured Personal Loans starting at $15,000 |
| Subscription | Quarterly | Quarterly Cash Dividend |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
United Security Bank product offering
Product offeringCore offering
United Security Bank is a state-chartered independent community bank headquartered in Fresno, California, providing personal and business banking products and services. Its core offerings include personal and business checking/savings accounts, certificates of deposit and IRAs, consumer loans, commercial/agricultural/real estate loans, cash management services, and digital banking platforms (online banking, mobile app, Zelle, e-Statements, Remote Deposit Capture).
Product overview
United Security Bank is a state-chartered independent community bank headquartered in Fresno, California, providing a comprehensive suite of personal and business banking products. The bank's offerings are organized into consumer banking (checking, savings, loans, CDs/IRAs, and digital banking), business banking (checking, savings, loans, and cash management services), and digital banking platforms (online banking, mobile banking, e-statements, and Zelle payments). Following the April 2026 merger with Community West Bancshares, the combined entity operates 41 Central California branches serving 31 communities across 13 counties. The bank recently completed integration efforts with systems conversion planned for summer 2026.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts
Quantifiable outcome
- 45% cost savings projected from merger integration
- +1 more outcomes
Companies that use United Security Bank
Customer profileSegments3 records
Ideal customer profiles2 records
United Security Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature3 records
United Security Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Community West BancsharescoreUnited Security Bancshares completed its all-stock merger with Community West Bancshares on April 1, 2026. The transaction created a $5 billion asset franchise with 41 Central California branches. United Security Bancshares merged into Community West Bancshares as the surviving entity. Two directors from United Security, Jagroop 'Jay' Gill and Dora Westerlund, will join Community West Bancshares' board upon closing, with Gill expected to become Vice Chairman of the combined company's board.
- FiservcoreUnited Security Bank mobile banking application is powered by Fiserv, providing the technology platform for mobile banking services including account access, balance checking, transfers, and mobile deposits.
Scale indicators6 records
Recent moves6 records
Expansion highlights4 records
United Security Bank competitors and assessment
Company assessmentBroad incumbents
- Pacific Premier Bancorp: Larger California-based regional bank with a community-bank operating style, overlapping small-business and treasury management product set, and broader Southern/Western US footprint.
- CVB Financial (Citizens Business Bank): Larger California community-focused bank with a similar commercial/agri lending franchise but broader geographic reach and meaningfully larger balance sheet.
Direct peers
- Bank of the Sierra: California community bank serving the Central Valley and Sierra region with comparable personal/business banking, agricultural lending, and community-focused deposit gathering.
- TriCo Bancshares: California community bank holding company (Tri Counties Bank) with comparable full-service retail/commercial banking, agricultural lending, and a branch-led distribution model in Northern and Central California.
- Five Star Bancorp: Sacramento-based community bank explicitly compared to United Security in dividend yield (4.7% vs 2.7%); operates in adjacent Central/Northern California markets with similar business banking and deposit-driven model.
- Community West Bancshares: Acquirer of United Security Bancshares; operates a California community bank franchise with overlapping Central California presence, similar deposit and commercial/agri lending model, and now serves as the combined entity's parent.
- Mechanics Bank: California community bank with branch presence in the Central Valley and similar relationship-driven model serving personal and business customers.
- Central Valley Community Bank: Fresno-headquartered community bank offering personal, business, and agricultural banking in the same Central Valley footprint; closest direct geographic peer to United Security.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
United Security Bank social profiles
Digital presenceUnited Security Bank compliance and trust
Trust signalCompliance3 records
United Security Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
United Security Bank leadership team
Management profileNumber of profiles
Profiles1 record
United Security Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
United Security Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about United Security Bank
What does United Security Bank do?
United Security Bank is a state-chartered independent community bank headquartered in Fresno, California, providing personal and business banking products and services. Its core offerings include personal and business checking/savings accounts, certificates of deposit and IRAs, consumer loans, commercial/agricultural/real estate loans, cash management services, and digital banking platforms (online banking, mobile app, Zelle, e-Statements, Remote Deposit Capture).
Is United Security Bank a public or private company?
United Security Bank is a public company. It is classified as corporate owned and is currently acquired.
When was United Security Bank founded?
United Security Bank was founded in 1988. It employs 101 to 250 people.
Where is United Security Bank based?
United Security Bank is headquartered in Fresno, United States, in the North America region.
How does United Security Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are deposit and Fee Services and dividend Income.
Who are United Security Bank's main competitors?
Broad incumbents on record are Pacific Premier Bancorp and CVB Financial (Citizens Business Bank). Direct peers are Bank of the Sierra, TriCo Bancshares, Five Star Bancorp, Community West Bancshares, Mechanics Bank and Central Valley Community Bank.
Does United Security Bank have an API?
No public API is recorded for United Security Bank.
What industry is United Security Bank in?
United Security Bank's product category is Community Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 52211 and its SIC code is 6022.