BlastPoint's Banking Scorecard
United State Bank
Lewistown, MO
6 branches across MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits +2.5% year over year ($258.4M on the books).
- Delinquency rate 0.07%.
- Return on assets 1.77%.
- Efficiency ratio 57.66% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.99% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
United State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 10.6% in tier
- + ROA 0.45% above tier average
- + Net Interest Margin 0.61% above tier average
- + Efficiency Ratio 6.82% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$290.1M
+3.7% YoY
+0.4% QoQ
|
-$96.4M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$222.2M
+7.0% YoY
+3.0% QoQ
|
-$36.1M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
53% |
| Total Deposits ? |
$258.4M
+2.5% YoY
+0.0% QoQ
|
-$68.3M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
1.77%
-0.4% YoY
-8.5% QoQ
|
+0.45% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
4.60%
+5.6% YoY
-0.5% QoQ
|
+0.61% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
83% |
| Efficiency Ratio ? |
57.66%
+6.8% YoY
+7.5% QoQ
|
-6.82% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
64% |
| Delinquency Rate ? |
0.07%
-8.4% YoY
-18.2% QoQ
|
-0.85% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
85.99%
+4.4% YoY
+3.0% QoQ
|
+8.04% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
12.84%
+11.6% YoY
-2.0% QoQ
|
-9.19% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.05%
-5.4% YoY
-16.0% QoQ
|
-0.62% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
13.85%
+4.4% YoY
+1.4% QoQ
|
-2.06% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.15%
-6.3% YoY
+91.8% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
35% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
12.8%
+1.3pp YoY -0.3pp QoQ |
-9.3pp | 22.1% | 20.9% | 22.2% | 16% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.4%
-0.6pp YoY -0.4pp QoQ |
-1.1pp | 11.6% | 12.3% | 12.5% | 55% |
| CRE |
10.9%
-0.6pp QoQ |
-28.6pp | 39.5% | 36.8% | 41.4% | 6% |
| 1-4 Family |
29.8%
-1.7pp YoY -0.1pp QoQ |
-2.8pp | 32.6% | 31.9% | 31.3% | 51% |
| Consumer |
1.0%
-0.2pp YoY 0.0pp QoQ |
-3.1pp | 4.1% | 4.1% | 5.0% | 28% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.8%
+0.6pp YoY +0.2pp QoQ |
-5.0pp | 18.8% | 18.5% | 19.7% | 38% |
| Leverage Ratio |
10.5%
+0.8pp YoY +0.2pp QoQ |
-1.7pp | 12.2% | 11.6% | 12.6% | 41% |
| Total Capital Ratio |
15.1%
+0.6pp YoY +0.2pp QoQ |
-4.8pp | 19.9% | 19.6% | 20.8% | 39% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
54
0 YoY +2 (+3.8%) QoQ |
-5 | 58 | 162 | 482 | 57% |
| Assets per Employee ($) |
$5.4M
+3.7% YoY -3.3% QoQ |
-$2.1M | $7.5M | $8.0M | $8.8M | 20% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 10 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 14% |
| Allowance Coverage |
20.90x
+2.8% YoY +18.7% QoQ |
-3.25x | 24.15x | 10.47x | 20.23x | 89% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.4%
-1.9pp YoY -1.8pp QoQ |
+5.2pp | 12.2% | 14.3% | 11.6% | 79% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.8% | 1.7% | 72% |
| Net Income ($, YTD) |
$2.5M
+3.2% YoY — QoQ |
-$5K | $2.6M | $11.3M | $40.4M | 63% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.