UNITED STATE BANK

LEWISTOWN, MO | Small | Est. Sept. 8, 1928, midnight | FDIC #12214 | RSSD #659556 | FDIC
Latest Report: 2025-12-31

UNITED STATE BANK is asn small FDIC-insured commercial bank headquartered in LEWISTOWN, MO, established in Sept. 8, 1928, midnight. As of 2025-12-31, the bank reported total assets of $284M and total deposits of $254M. Profitability stands at 2.11% ROA and 21.44% ROE, with a net interest margin of 4.68%. The bank's CET1 capital ratio is 12.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 0.47%. FDIC Certificate #12214.

Assets

$284M

Deposits

$254M

Loans

$222M

Equity

$28M

Profitability

Return on Assets (ROA) 2.11%
Return on Equity (ROE) 21.44%
Net Interest Margin (NIM) 4.68%
Yield on Assets 6.85%
Cost of Funds 2.23%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.47%
NPA Ratio 0.05%
ACL / Loans 1.42%

Capital & Liquidity

CET1 Ratio 12.67%
Tier 1 Capital 12.67%
Total Capital Ratio 13.93%
Leverage Ratio 9.99%
Loan-to-Deposit 87.22%

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