BlastPoint's Banking Scorecard

United Security Bank

under $100M Specialty: Other MO FDIC cert 1427

Designations: ✓ Community bank

Fulton, MO

3 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 536 banks in the under $100M peer group nationwide — 1 of 16 in MO.
Deposits +4.2% year over year ($81.2M on the books).
Delinquency rate 0.00%.
Return on assets 1.83%.
Efficiency ratio 51.64% vs a 119.40% peer average.
Loan-to-deposit ratio 93.03% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 16 in MO

View under $100M leaderboard (MO) →

United Security Bank demonstrates 5 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.48% below tier average
+ Nonperforming Asset Ratio 0.84% below tier average
+ ROA 0.83% above tier average
+ Net Interest Margin 0.10% above tier average
+ Efficiency Ratio 67.76% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when United Security Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$97.2M +3.3% YoY -1.0% QoQ	+$34.8M	$62.4M -0.0% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Top 3.4% in tier
Total Loans ?	$75.6M +9.0% YoY +0.9% QoQ	+$40.7M	$34.9M -0.6% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 3.2% in tier
Total Deposits ?	$81.2M +4.2% YoY +4.3% QoQ	+$29.6M	$51.6M -0.2% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Top 7.8% in tier
Return on Assets ?	1.83% +40.3% YoY +0.6% QoQ	+0.83%	1.00% +3.5% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Top 14.4% in tier
Net Interest Margin ?	4.02% +16.7% YoY +2.0% QoQ	+0.10%	3.91% +2.3% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	57%
Efficiency Ratio ?	51.64% -14.4% YoY -1.9% QoQ	-67.76%	119.40% +49.6% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Top 11.2% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-1.48%	1.48% +31.8% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	93.03% +4.6% YoY -3.3% QoQ	+18.83%	74.21% +12.6% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Bottom 14.0% in tier
Non-Interest-Bearing Deposit Share ?	36.78% +21.0% YoY +12.4% QoQ	+13.29%	23.49% +0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Top 11.6% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.84%	0.84% +23.0% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	19.42% +53.0% YoY +53.2% QoQ	-7.70%	27.13% +3.0% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.09% -8.2% YoY +181.6% QoQ	-1.29%	1.38% +6.3% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	38%

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	36.8% +6.4pp YoY +4.1pp QoQ	+12.1pp	24.6%	20.9%	22.2%	88%
Brokered Deposits	n/a	n/a	9.8%	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	3.2% -0.6pp YoY -0.5pp QoQ	-10.2pp	13.4%	12.3%	12.5%	10%
CRE	n/a	n/a	25.2%	36.8%	41.4%	n/a
1-4 Family	53.7% +0.4pp YoY +0.7pp QoQ	+18.7pp	35.0%	31.9%	31.3%	75%
Consumer	7.6% -1.1pp YoY -0.2pp QoQ	0.0pp	7.7%	4.1%	5.0%	67%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	19.4%	-19.3pp	38.7%	18.5%	19.7%	43%
Leverage Ratio	13.4% +0.7pp YoY +0.7pp QoQ	-4.3pp	17.7%	11.6%	12.6%	56%
Total Capital Ratio	20.7%	-19.0pp	39.7%	19.6%	20.8%	44%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	13 0 YoY 0 QoQ	+1	12	162	482	62%
Assets per Employee ($)	$7.5M +3.3% YoY -1.0% QoQ	+$1.3M	$6.2M	$8.0M	$8.8M	73%
Branch Count	3 0 YoY 0 QoQ	+1	1	10	18	89%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	1.0%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	1.7%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	6.41x	10.47x	20.23x	n/a
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY +0.1pp QoQ	-0.1pp	0.2%	0.3%	0.2%	59%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	15.8% +3.0pp YoY -0.3pp QoQ	+9.4pp	6.4%	14.3%	11.6%	86%
Cost of Funds (YTD)	1.9% -0.2pp YoY 0.0pp QoQ	+0.5pp	1.4%	1.8%	1.7%	80%
Net Income ($, YTD)	$898,000 +47.7% YoY — QoQ	+$580K	$317,817	$11.3M	$40.4M	94%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 536 peers in under $100M

Top Strengths (8 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.48%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.84%

#1 of 536 Top 0.1% in under $100M

Total Loans

size

Value: $75.56M

Peer Median: $34.89M

#18 of 536 Top 3.2% in under $100M

Total Assets

size

Value: $97.24M

Peer Median: $62.44M

#19 of 536 Top 3.4% in under $100M

Total Deposits

size

Value: $81.22M

Peer Median: $51.62M

#43 of 536 Top 7.8% in under $100M

Efficiency Ratio

profitability

Value: 51.64%

Peer Median: 119.40%

#61 of 536 Top 11.2% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 36.78%

Peer Median: 23.49%

#63 of 536 Top 11.6% in under $100M

Return on Assets

profitability

Value: 1.83%

Peer Median: 1.00%

#78 of 536 Top 14.4% in under $100M

Top Weaknesses (1 metrics)

462

Loan-to-Deposit Ratio

liquidity

Value: 93.03%

Peer Median: 74.21%

#462 of 536 Bottom 14.0% in under $100M