United Security Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Deposits to assets climbed 4.27 percentage points in Q2 2026, from 79.25% to 83.52%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, United Security Bank is 56th of 192 on return on assets, 1.85% as of Q2 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, United Security Bank reported 1.85% on return on assets in Q2 2026, 0.87 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.42% |
| Tier 1 risk-based capital ratio | 19.42% |
| Total risk-based capital ratio | 20.68% |
| Tier 1 leverage ratio | 13.38% |
| Equity capital to assets | 12.15% |
| Tangible equity to tangible assets | 12.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.85% |
| Return on equity | 15.69% |
| Net interest margin | 4.09% |
| Efficiency ratio | 49.59% |
| Yield on earning assets | 5.95% |
| Cost of funds | 2.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.31% |
| Core deposits to total deposits | 82.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.52% |
| Securities to assets | 16.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 11.93% | 0.81% |
| Q4 2023 | — | — | — | 12.00% | 0.64% |
| Q1 2024 | — | — | — | 11.68% | 0.68% |
| Q2 2024 | — | — | — | 11.94% | 1.20% |
| Q3 2024 | 17.81% | 17.81% | 19.07% | 12.01% | 1.32% |
| Q4 2024 | — | — | — | 11.98% | 0.54% |
| Q1 2025 | — | — | — | 12.42% | 1.20% |
| Q2 2025 | — | — | — | 12.70% | 1.40% |
| Q3 2025 | — | — | — | 12.77% | 1.60% |
| Q4 2025 | — | — | — | 12.63% | 0.84% |
| Q1 2026 | — | — | — | 12.68% | 1.80% |
| Q2 2026 | 19.42% | 19.42% | 20.68% | 13.38% | 1.85% |
United Security Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Security Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1427) · FFIEC NIC profile (RSSD 630340)