Bank Comparison
United Security Bank vs West Plains Savings and Loan Association
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | United Security Bank | West Plains Savings and Loan Association |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.68% | 20.97% |
| Equity / Assets | 11.33% | 21.06% |
Profitability
| Metric | United Security Bank | West Plains Savings and Loan Association |
|---|---|---|
| Return on Assets (ROA) | 1.80% | 0.60% |
| Return on Equity (ROE) | 16.03% | 2.87% |
| Net Interest Margin (NIM) | 3.90% | 2.99% |
| Yield on Earning Assets | 5.75% | 5.20% |
| Cost of Funds | 2.11% | 2.69% |
Asset quality
| Metric | United Security Bank | West Plains Savings and Loan Association |
|---|---|---|
| Texas Ratio | 0.00% | 17.06% |
| Non-Performing Loan Ratio | 0.00% | 3.48% |
| Non-Performing Asset Ratio | 0.00% | 2.60% |
| Net Charge-Off Ratio | -0.01% | 0.06% |
| ACL / Loans | 1.38% | 1.28% |
Balance sheet
| Metric | United Security Bank | West Plains Savings and Loan Association |
|---|---|---|
| Total Assets | $98,235K | $98,911K |
| Total Deposits | $77,852K | $75,851K |
| Total Loans | $75,933K | $73,796K |
| Total Equity | $11,128K | $20,829K |
| Net Income (quarter) | $448 | $149 |
Liquidity & funding
| Metric | United Security Bank | West Plains Savings and Loan Association |
|---|---|---|
| Loan-to-Deposit Ratio | 97.54% | 97.29% |
| Core Deposit Ratio | 81.98% | 84.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | United Security Bank | West Plains Savings and Loan Association |
|---|---|---|
| Headquarters City | FULTON | WEST PLAINS |
| Headquarters State | MO | MO |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 13 | 16 |
| Established | Jan. 25, 1930, midnight | Jan. 1, 1919, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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