UNITED SECURITY BANK

FULTON, MO | Micro | Est. Jan. 25, 1930, midnight | FDIC #1427 | RSSD #630340 | FDIC
Latest Report: 2025-12-31

UNITED SECURITY BANK is amn micro FDIC-insured commercial bank headquartered in FULTON, MO, established in Jan. 25, 1930, midnight. As of 2025-12-31, the bank reported total assets of $99M and total deposits of $81M. Profitability stands at 0.86% ROA and 7.57% ROE, with a net interest margin of 4.10%. The bank's CET1 capital ratio is 11.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #1427. The institution operates 1 domestic branch.

Assets

$99M

Deposits

$81M

Loans

$75M

Equity

$11M

Profitability

Return on Assets (ROA) 0.86%
Return on Equity (ROE) 7.57%
Net Interest Margin (NIM) 4.10%
Yield on Assets 6.27%
Cost of Funds 3.23%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.07%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 11.39%
Tier 1 Capital 11.39%
Total Capital Ratio 11.96%
Leverage Ratio 12.63%
Loan-to-Deposit 92.67%

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