United State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United State Bank of Lewistown, MO against its peer group of 2672 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 | 1.59% | 1.35% | +0.24% | 68th above |
| ROAE | 15.66% | 12.05% | +3.61% | 69th above |
| Net Interest Margin | 4.43% | 3.90% | +0.53% | 76th top |
| Efficiency Ratio | 61.45% | 63.15% | -1.70% | 50th above |
| PPNR / Avg Assets | 1.64% | 1.64% | +0.00% | 53rd above |
| Yield on Earning Assets | 6.41% | 5.65% | +0.76% | 84th top |
| Cost of Funds | 2.17% | 1.85% | +0.32% | 28th below |
| Net Interest Spread | 4.00% | 3.35% | +0.65% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.07% | 0.92% | -0.85% | 76th top |
| NPA / Total Assets | 0.05% | 0.67% | -0.62% | 77th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.39% | 1.28% | +0.11% | 71st above |
| ACL / NPLs (Coverage) | 2090.00% | 1644.95% | +445.05% | — |
| Texas Ratio | 0.46% | 7.15% | -6.69% | 81st top |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.85% | 20.83% | -6.98% | 38th below |
| Tier 1 Ratio | 13.85% | 20.87% | -7.02% | 37th below |
| Total Capital Ratio | 15.10% | 21.94% | -6.84% | 39th below |
| Leverage Ratio | 10.50% | 12.46% | -1.96% | 42nd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.36% | 11.67% | -1.31% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.21% | 11.40% | -1.19% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.21% | 78.64% | +8.57% | 35th below |
| Core Deposit Ratio | 89.91% | 87.09% | +2.82% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.65% | 6.47% | -2.82% | 44th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.88% | 7.64% | -0.76% | 59th above |
| Deposit Growth (Y/Y) | 2.49% | 6.02% | -3.53% | 39th below |
See United State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United State 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 State Bank profile, how to read a UBPR, or how this data updates.