United Security Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Security Bank of Fulton, MO against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.85% | 3.14% | -1.29% | 79th top |
| ROAE | 15.69% | 10.40% | +5.29% | 82nd top |
| Net Interest Margin | 4.09% | 3.93% | +0.16% | 61st above |
| Efficiency Ratio | 49.59% | 76.37% | -26.78% | 87th top |
| PPNR / Avg Assets | 2.09% | 1.40% | +0.69% | 82nd top |
| Yield on Earning Assets | 5.95% | 5.35% | +0.60% | 75th top |
| Cost of Funds | 2.27% | 1.70% | +0.57% | 20th bottom |
| Net Interest Spread | 2.84% | 3.31% | -0.47% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.12% | 0.11% | +0.01% | 15th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.36% | 1.49% | -0.13% | 60th above |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 140.91% | 315.52% | -174.61% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.42% | 62.10% | -42.68% | 41st below |
| Tier 1 Ratio | 19.42% | 62.11% | -42.69% | 41st below |
| Total Capital Ratio | 20.68% | 63.07% | -42.39% | 42nd below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.38% | 17.62% | -4.24% | 52nd above |
| Equity / Assets | 12.15% | 16.43% | -4.28% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.15% | 16.18% | -4.03% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.31% | 72.77% | +21.54% | 14th bottom |
| Core Deposit Ratio | 82.25% | 88.23% | -5.98% | 17th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.11% | 5.28% | -1.17% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.27% | 4.31% | -1.04% | 54th above |
| Loan Growth (Y/Y) | 9.06% | 6.72% | +2.34% | 76th top |
| Deposit Growth (Y/Y) | 4.18% | 3.77% | +0.41% | 62nd above |
See United Security Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Security Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full United Security Bank profile, how to read a UBPR, or how this data updates.