United State 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.52 percentage points higher than in Q1 2026, at 87.21%. United State Bank ranks 80th of 192 Missouri banks on return on assets, in the upper half at 1.59% (Q2 2026). United State Bank reported 1.59% on return on assets for Q2 2026, 0.34 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.85% |
| Tier 1 risk-based capital ratio | 13.85% |
| Total risk-based capital ratio | 15.10% |
| Tier 1 leverage ratio | 10.50% |
| Equity capital to assets | 10.36% |
| Tangible equity to tangible assets | 10.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.07% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.46% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 2090.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.59% |
| Return on equity | 15.66% |
| Net interest margin | 4.43% |
| Efficiency ratio | 61.45% |
| Yield on earning assets | 6.41% |
| Cost of funds | 2.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.21% |
| Core deposits to total deposits | 89.91% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.06% |
| Securities to assets | 4.72% |
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 | 12.08% | 12.08% | 13.34% | 9.22% | 1.79% |
| Q4 2023 | 11.17% | 11.17% | 12.43% | 8.51% | 1.09% |
| Q1 2024 | 11.58% | 11.58% | 12.84% | 8.67% | 1.42% |
| Q2 2024 | 11.81% | 11.81% | 13.07% | 8.89% | 1.52% |
| Q3 2024 | 12.25% | 12.25% | 13.51% | 9.31% | 1.98% |
| Q4 2024 | 12.06% | 12.06% | 13.32% | 9.39% | 1.24% |
| Q1 2025 | 12.71% | 12.71% | 13.96% | 9.54% | 1.72% |
| Q2 2025 | 13.27% | 13.27% | 14.52% | 9.66% | 1.82% |
| Q3 2025 | 13.34% | 13.34% | 14.59% | 9.84% | 2.14% |
| Q4 2025 | 12.67% | 12.67% | 13.93% | 9.99% | 2.09% |
| Q1 2026 | 13.66% | 13.66% | 14.91% | 10.34% | 1.92% |
| Q2 2026 | 13.85% | 13.85% | 15.10% | 10.50% | 1.59% |
United State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12214) · FFIEC NIC profile (RSSD 659556)