United Security Bancshares is the holding company for United Security Bank, a community bank headquartered in Fresno, California. The bank serves small- and medium-sized businesses, professionals, and individuals across California's Central Valley, primarily in Fresno, Madera, Kern, and Santa Clara Counties. United Security Bank operates 14 branches and lending offices across Central California, plus a branch in Campbell. The bank's core business is traditional community banking: it takes in deposits at low rates and lends those funds out at higher rates, earning a net interest spread. On the lending side, the bank focuses on commercial real estate, construction, commercial and industrial, agricultural, and installment loans. Commercial real estate is the largest loan concentration, and agricultural lending is notable given the Central Valley's farming economy. The bank also earns fee income from services like wire transfers and cash management, though net interest income is the primary profit driver. United Security Bank operates with 113 full-time equivalent employees and positions itself around relationship banking and personalized service to small and mid-sized businesses. In December 2025, United Security Bancshares announced an all-stock merger with Community West Bancshares, another Fresno-based bank holding company, expected to close in Q2 2026. The combined entity would form a larger Central Valley-focused community bank with greater scale and a broader footprint.