United Security Bank
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Data as of · sourced from FFIEC call reports. How we update
United Security Bank is an FDIC-insured commercial bank headquartered in Fulton, MO, established in 1930 (FDIC certificate 1427), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $97.2M, up 3.3% from Q2 2025, the 177th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 19.42% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1427
- Headquarters
- Fulton, MO
- Established
- 1930
- Total assets, Q2 2026
- $97.2M
- Assets vs Q2 2025
- +3.3%
- CET1 ratio, Q2 2026
- 19.42%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081517729
- Holding company
- MID-MO BANCSHARES, INC.
- Asset rank in state
- 177th of 191 in Missouri
United Security Bank leans heavily on commercial real estate. The Fulton, Missouri bank had $97 million in assets at June 30, 2026, up 3.3% from a year earlier. It holds commercial real estate loans worth 1.3 times its capital, 4.9 times the median of 26% for the 583 banks with less than $100 million in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Delinquency has appeared in its $12 million non-owner-occupied commercial real estate book: 2.99% of those loans are past due or on nonaccrual, against almost none a year earlier. Earnings jumped: net income for the quarter was $450,000, 37% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 2.27% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, United Security Bank reported a CET1 capital ratio of 19.42%, a return on assets of 1.85%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
United Security Bank ranks as the 177th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.0% to $97.2M, loans rose 0.9% and deposits rose 4.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 53.0% of total loans, followed by non-owner-occupied commercial real estate loans at 16.1%. Its 3 offices in the FDIC Summary of Deposits are in Fulton, MO, Auxvasse, MO and Kingdom City, MO; its Fulton office books 43% of its branch deposits. On its Q2 2026 call report, United Security Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2050 N Bluff St, Fulton, MO 65251
- County
- Callaway
- Metro Area
- Jefferson City, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 25, 1930
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $81.2M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $22K
- Average total assets
- $97.5M
- Average total loans
- $76.0M
- Average interest-bearing deposits
- $52.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1427
- Fed RSSD
- 630340
- Website
- WWW.UNITEDSECURITYBANKOFMO.COM →
- Parent Holding Company
- MID-MO BANCSHARES, INC. (RSSD 1247736)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, United Security Bank's total assets ran between $86.6M (Q3 2023) and $98.6M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$97.2M total assets against $94.2M; $85.4M total liabilities against $84.2M.
$75.6M net loans and leases against $69.3M; $81.2M total deposits against $78.0M.
$16.2M securities against $20.2M; $4.1M cash and balances due against $3.3M.
$1.4M total interest income against $1.3M; $454K total interest expense against $479K.
$975K net interest income against $811K.
$59K total noninterest income against $47K; $524K total noninterest expense against $496K.
$16K provision for credit losses against $16K.
$450K net income against $328K.
1.85% return on assets against 1.40%; 4.09% net interest margin against 3.61%.
19.42% CET1 capital ratio; 13.38% tier 1 leverage ratio against 12.70%.
Inside the full United Security Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.54% (Q4 2024) to 1.85% (Q2 2026) and its net interest margin ran from 3.20% (Q3 2024) to 4.09% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.42% | 1.85% | 0.00% | 0.00% | 4.09% |
| Q1 2026 | — | 1.80% | 0.00% | 0.00% | 3.90% |
| Q4 2025 | — | 0.84% | 0.00% | 0.00% | 3.79% |
| Q3 2025 | — | 1.60% | 0.00% | 0.00% | 3.72% |
| Q2 2025 | — | 1.40% | 0.46% | 2.95% | 3.61% |
| Q1 2025 | — | 1.20% | 0.00% | 0.00% | 3.30% |
| Q4 2024 | — | 0.54% | 0.00% | 0.00% | 3.22% |
| Q3 2024 | 17.81% | 1.32% | 0.00% | 0.00% | 3.20% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Security Bank (main office) | Fulton , MO | 65251 | $34.8M |
| Auxvasse Branch | Auxvasse , MO | 65231 | $34.8M |
| Kingdom City Facility | Kingdom City , MO | 65262 | $11.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 211 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $110K approved, $110K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about United Security Bank
What are United Security Bank's total assets?
As of the Q2 2026 filing, United Security Bank reported total assets of $97.2 million in its FFIEC call report.
Where is United Security Bank headquartered?
It is headquartered in Fulton, MO, United States.
When was United Security Bank founded?
It was established in 1930, per the FDIC institution directory.
Is United Security Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1427). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Security Bank?
United Security Bank's primary federal regulator is the FDIC.
What is United Security Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.42% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does United Security Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Security Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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