United Security Bank

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.

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

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

• Community banking services
• Personal banking products
• Commercial lending solutions
• Agricultural lending
• Cash management services

Headquarters

HQ city

Fresno

HQ country

United States

HQ region

North America

Offices13 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans including commercial, real estate, agricultural, and consumer lending products
2. Deposit and Fee Services: Fee income from checking accounts, savings accounts, certificates of deposit, cash management services, and other banking services
3. Dividend Income: Quarterly cash dividend payments to shareholders; declared $0.12 per share in December 2025

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core 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

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Community West BancsharescoreStrategic or Co-development Partner · 1 April 2026United 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.
• FiservcoreTechnology or IntegrationUnited 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

Broad 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

• LinkedInlinkedin.com/company/united-security-bank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Security Bank