BlastPoint's Banking Scorecard
United State Bank
Micro
Specialty: Agricultural
MO
FDIC cert 12214
Designations: ✓ Community bank
Lewistown, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
United State Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$284.3M
+3.7% YoY
-1.6% QoQ
|
+$66.8M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$218.5M
+5.1% YoY
+3.0% QoQ
|
+$79.3M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$254.1M
+2.4% YoY
-1.9% QoQ
|
+$70.5M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.97%
+27.9% YoY
+2.9% QoQ
|
+0.88% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.50%
+14.1% YoY
+1.9% QoQ
|
+0.65% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
52.06%
-8.5% YoY
-0.1% QoQ
|
-15.66% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.07%
-13.9% YoY
+6.2% QoQ
|
-0.57% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
85.98%
+2.7% YoY
+5.0% QoQ
|
+11.46% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
13.83%
-9.3% YoY
+12.5% QoQ
|
-8.57% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.06%
-12.7% YoY
+11.2% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
12.67%
+5.0% YoY
-5.0% QoQ
|
+3.82% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.29%
-17.4% YoY
+32.0% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Return on Assets
Current: 1.97% · Tier avg: 1.08%
86
86th pctile
Efficiency Ratio
Current: 52.06% · Tier avg: 67.73%
79
79th pctile
Net Interest Margin
Current: 4.50% · Tier avg: 3.85%
78
78th pctile
Total Loans
Current: $218.5M · Tier avg: $139.2M
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
72
72th pctile
Total Deposits
Current: $254.1M · Tier avg: $183.7M
69
69th pctile
Total Assets
Current: $284.3M · Tier avg: $217.5M
62
62th pctile
Tier 1 Capital Ratio
Current: 12.67% · Tier avg: 8.85%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
31
31th pctile
Loan-to-Deposit Ratio
Current: 85.98% · Tier avg: 74.53%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.83% · Tier avg: 22.39%
Top Weaknesses
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.83% · Tier avg: 22.39%
31
31th pctile
Loan-to-Deposit Ratio
Current: 85.98% · Tier avg: 74.53%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.67% · Tier avg: 8.85%
69
69th pctile
Total Assets
Current: $284.3M · Tier avg: $217.5M
72
72th pctile
Total Deposits
Current: $254.1M · Tier avg: $183.7M
73
73th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
78
78th pctile
Total Loans
Current: $218.5M · Tier avg: $139.2M
79
79th pctile
Net Interest Margin
Current: 4.50% · Tier avg: 3.85%
86
86th pctile
Efficiency Ratio
Current: 52.06% · Tier avg: 67.73%
90
90th pctile
Return on Assets
Current: 1.97% · Tier avg: 1.08%