United State Bank
Lewistown, MO · Cert 12214 · Peer group: banks under $1B in assets in MO (n=82-83) · River Valley Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$290.1MAssets
$225.3MLoans
$258.4MDeposits
$30.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 78% of banks under $1B in assets in MO (rank 19 of 82).
- Widest gap: equity / assets trails 54% of banks under $1B in assets in MO (rank 45 of 83).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.45%
Rank 33 of 83
Net Interest Margin
4.15%
Rank 22 of 83
Efficiency Ratio
58.83%
Rank 42 of 83
Equity / Assets
10.36%
Rank 45 of 83
Non-interest income vs. expense
Unfavorable gap of $6.8M · efficiency ratio beats 51% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.96% | 1.32% | 1.75% | Beats 60% | 33 / 83 | |
| Return on Equity | 13.96% | 9.66% | 12.96% | 15.76% | Beats 63% | 31 / 83 | |
| Net Interest Margin | 4.15% | 3.35% | 3.85% | 4.16% | Beats 73% | 22 / 83 | |
| Efficiency Ratio | 58.83% | 49.83% | 58.83% | 68.51% | Beats 51% | 42 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.08% | 0.51% | 1.01% | Beats 78% | 19 / 82 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 70% | 26 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 13.85% | 11.01% | 12.49% | 14.98% | Beats 63% | 31 / 83 | |
| Total Risk-Based Capital Ratio | 15.10% | 11.13% | 13.01% | 15.10% | Beats 75% | 21 / 83 | |
| Equity / Assets | 10.36% | 8.83% | 10.71% | 13.29% | Beats 46% | 45 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 87.21% | 69.28% | 83.22% | 91.21% | 61st pctl | 32 / 82 | |
| Loans / Assets | 77.66% | 59.34% | 71.15% | 78.36% | 69th pctl | 26 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |