United State Bank: how it compares with its peers
Against 85 MO banks with half to twice its assets, United State Bank's strongest measure in Q2 2026 is net interest margin (4.60% vs. a 4.14% peer median). Its weakest relative measure is assets per employee ($5.4M vs. $6.2M).
| Measure | United State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.77% | 1.44% | Middle third Ahead of 66% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.60% | 4.14% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.66% | 59.68% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $6.2M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.99% | 84.86% | Context |
What it means for lending operations
Its efficiency ratio of 57.66% is better than the 59.68% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- St. Johns Bank and Trust Company Saint Louis, MO · $297M
- Commercial Bank Saint Louis, MO · $283M
- Ozarks Federal Savings and Loan Association Farmington, MO · $277M
- Century Bank of the Ozarks Gainesville, MO · $305M
- Community First Banking Company West Plains, MO · $307M
- Arlo Bank Springfield, MO · $269M
Questions about United State Bank
How big is United State Bank?
United State Bank, established in 1928, is headquartered in Lewistown, MO. It reported $290M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is United State Bank's return on assets?
1.77% annualized in Q2 2026, against a 1.44% median for 85 MO banks with half to twice its assets, ahead of 66% of them.
What is United State Bank's efficiency ratio?
57.66% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 59.68%, and lower is better.
Is United State Bank growing its loans?
Net loans grew 7.0% over the year to Q2 2026, while deposits grew 2.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.