BlastPoint's Banking Scorecard
United Security Bank
Micro
Specialty: Other
MO
FDIC cert 1427
Designations: ✓ Community bank
Fulton, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
United Security Bank shows strong momentum with 2 strengths and 5.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
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 ? |
$98.6M
+5.6% YoY
+2.3% QoQ
|
-$118.9M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$74.1M
+12.3% YoY
+3.9% QoQ
|
-$65.1M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$81.0M
+8.1% YoY
-1.6% QoQ
|
-$102.6M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
1.27%
+35.5% YoY
-10.1% QoQ
|
+0.18% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
3.62%
+17.6% YoY
+2.2% QoQ
|
-0.23% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
59.86%
-9.4% YoY
+3.7% QoQ
|
-7.87% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
91.40%
+3.8% YoY
+5.5% QoQ
|
+16.88% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
33.38%
+15.0% YoY
+18.1% QoQ
|
+10.99% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.18%
-29.0% YoY
+21.5% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.38% · Tier avg: 22.39%
68
68th pctile
Efficiency Ratio
Current: 59.86% · Tier avg: 67.73%
63
63th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.85%
31
31th pctile
Total Loans
Current: $74.1M · Tier avg: $139.2M
22
22th pctile
Total Assets
Current: $98.6M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $81.0M · Tier avg: $183.7M
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.40% · Tier avg: 74.53%
19
19th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
Top Weaknesses
19
19th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.40% · Tier avg: 74.53%
22
22th pctile
Total Deposits
Current: $81.0M · Tier avg: $183.7M
22
22th pctile
Total Assets
Current: $98.6M · Tier avg: $217.5M
31
31th pctile
Total Loans
Current: $74.1M · Tier avg: $139.2M
40
40th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
68
68th pctile
Efficiency Ratio
Current: 59.86% · Tier avg: 67.73%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.38% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%