BlastPoint's Banking Scorecard

United Security Bank

under $100M Specialty: Other MO FDIC cert 1427

Designations: ✓ Community bank

Fulton, MO

3 branches across MO

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

United Security Bank shows strong momentum with 5 strengths and 7.0% YoY asset growth

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 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ ROA 0.97% above tier average
+ Net Interest Margin 0.07% above tier average
+ Efficiency Ratio 34.97% 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-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$98.2M +7.0% YoY -0.4% QoQ	+$36.0M	$62.3M -0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.0% YoY	Top 2.0% in tier
Total Loans ?	$74.9M +12.4% YoY +1.1% QoQ	+$40.6M	$34.3M -1.5% YoY	$1.0B +8.5% YoY	$3.2B +10.7% YoY	Top 2.6% in tier
Total Deposits ?	$77.9M +2.5% YoY -3.9% QoQ	+$26.0M	$51.8M -0.6% YoY	$1.3B +6.1% YoY	$4.8B +8.0% YoY	Top 12.8% in tier
Return on Assets ?	1.82% +50.5% YoY +43.7% QoQ	+0.97%	0.86% -3.6% YoY	1.43% +10.8% YoY	1.24% +13.1% YoY	Top 13.4% in tier
Net Interest Margin ?	3.94% +18.0% YoY +8.6% QoQ	+0.07%	3.87% +2.7% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	52.66% -16.5% YoY -12.0% QoQ	-34.97%	87.63% +2.3% YoY	59.97% -5.2% YoY	66.84% -3.8% YoY	Top 12.3% in tier
Delinquency Rate ?	0.00%	-1.36%	1.36% +33.7% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	96.19% +9.7% YoY +5.2% QoQ	+32.08%	64.11% -0.9% YoY	79.48% +1.6% YoY	76.69% +0.9% YoY	Bottom 10.1% in tier
Non-Interest-Bearing Deposit Share ?	32.73% +9.0% YoY -2.0% QoQ	+8.94%	23.79% +0.5% YoY	20.72% +0.3% YoY	22.01% -1.1% YoY	80%
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.67% +20.5% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.68% +2.1% YoY +0.4% QoQ	-14.09%	26.77% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.03% -38.3% YoY -81.0% QoQ	-0.64%	0.67% +1.6% YoY	0.29% +5.6% YoY	0.32% +4.0% YoY	26%

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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 537 peers in under $100M

Top Strengths (8 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

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

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Total Assets

size

Value: $98.23M

Peer Median: $62.28M

#12 of 537 Top 2.0% in under $100M

Total Loans

size

Value: $74.89M

Peer Median: $34.29M

#15 of 537 Top 2.6% in under $100M

Efficiency Ratio

profitability

Value: 52.66%

Peer Median: 87.63%

#67 of 537 Top 12.3% in under $100M

Total Deposits

size

Value: $77.85M

Peer Median: $51.83M

#70 of 537 Top 12.8% in under $100M

Return on Assets

profitability

Value: 1.82%

Peer Median: 0.86%

#73 of 537 Top 13.4% in under $100M

110

Non-Interest-Bearing Deposit Share

funding

Value: 32.73%

Peer Median: 23.79%

#110 of 537 Top 20.3% in under $100M

Top Weaknesses (1 metrics)

484

Loan-to-Deposit Ratio

liquidity

Value: 96.19%

Peer Median: 64.11%

#484 of 537 Bottom 10.1% in under $100M