| Metric | United State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.5 pts |
| Loan growth (YoY) | +7.0% | +5.6% | +1.4 pts |
| ROA | 1.77% | 1.24% | +0.5 pts |
| ROE | 17.4% | 11.9% | +5.6 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $290.1M | $258.4M | $222.2M | $30.1M | $2.5M | 1.77% | 4.60% | 0.05% |
| Q1 2026 | $289.1M | $258.3M | $215.6M | $29.3M | $1.4M | 1.94% | 4.62% | 0.06% |
| Q4 2025 | $284.3M | $254.1M | $218.5M | $28.4M | $5.5M | 1.97% | 4.50% | 0.06% |
| Q3 2025 | $288.9M | $259.2M | $212.2M | $28.0M | $4.0M | 1.91% | 4.42% | 0.05% |
| Q2 2025 | $279.9M | $252.1M | $207.7M | $26.5M | $2.5M | 1.78% | 4.36% | 0.05% |
| Q1 2025 | $279.8M | $253.2M | $206.2M | $25.6M | $1.2M | 1.72% | 4.23% | 0.20% |
| Q4 2024 | $274.1M | $248.3M | $207.9M | $24.6M | $4.2M | 1.54% | 3.95% | 0.07% |
| Q3 2024 | $268.0M | $242.0M | $205.7M | $24.5M | $3.3M | 1.64% | 3.88% | 0.10% |
Loan mix (Q2 2026): real estate $177.9M · commercial $23.2M · consumer $2.2M · securities $13.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | United State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 62.9% | 34th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | United State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | United State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | United State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | United State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | United State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Technology spend up 43% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
6 branches in 4 counties across 1 state (+0 vs 2025) · $258.4M branch deposits. Biggest market: Lewis, MO, ranked 1st with 46.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lewis, MO | 3 | $170.0M | 46.84% | 1st |
| Knox, MO | 1 | $53.6M | 37.08% | 2nd |
| Shelby, MO | 1 | $19.5M | 7.41% | 4th |
| 1 more county with Pro → | ||||
Missouri: 143rd with 0.09% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6