BlastPoint's Banking Scorecard
United State Bank
Lewistown, MO
6 branches across MO
United State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.67% above tier average
- + Net Interest Margin 0.69% above tier average
- + Efficiency Ratio 11.66% below tier average
- + Delinquency Rate 0.80% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$289.1M
+3.3% YoY
+1.7% QoQ
|
-$97.0M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
44% |
| Total Loans ? |
$215.6M
+4.6% YoY
-1.3% QoQ
|
-$40.1M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$258.3M
+2.0% YoY
+1.6% QoQ
|
-$69.7M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
1.94%
+12.8% YoY
-1.5% QoQ
|
+0.67% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
Top 14.0% in tier |
| Net Interest Margin ? |
4.62%
+9.3% YoY
+2.6% QoQ
|
+0.69% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Top 14.9% in tier |
| Efficiency Ratio ? |
53.62%
-0.1% YoY
+3.0% QoQ
|
-11.66% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
77% |
| Delinquency Rate ? |
0.08%
-69.1% YoY
+10.7% QoQ
|
-0.80% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
83.48%
+2.5% YoY
-2.9% QoQ
|
+6.84% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
13.10%
+0.2% YoY
-5.2% QoQ
|
-8.92% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.06%
-68.7% YoY
+7.4% QoQ
|
-0.58% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
76% |
| Tier 1 Capital Ratio ? |
13.66%
+7.5% YoY
+7.8% QoQ
|
-2.17% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.08%
-4.9% YoY
-73.0% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
38% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.