United Security Bank: how it compares with its peers
Against 64 MO banks with half to twice its assets, United Security Bank's strongest measure in Q2 2026 is efficiency ratio (51.64% vs. a 63.48% peer median). Its weakest relative measure is net interest margin (4.02% vs. 3.93%).
| Measure | United Security Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.83% | 1.20% | Top third Ahead of 78% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.02% | 3.93% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.64% | 63.48% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $5.9M | Top third Ahead of 81% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.03% | 72.90% | Context |
What it means for lending operations
Its efficiency ratio of 51.64% is better than the 63.48% 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
- Silex Banking Company Silex, MO · $98M
- Investors Community Bank Chillicothe, MO · $98M
- Community Bank of Missouri Richmond, MO · $94M
- West Plains Savings and Loan Association West Plains, MO · $101M
- Flat Branch Bank Richmond, MO · $93M
Questions about United Security Bank
How big is United Security Bank?
United Security Bank, established in 1930, is headquartered in Fulton, MO. It reported $97M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is United Security Bank's return on assets?
1.83% annualized in Q2 2026, against a 1.20% median for 64 MO banks with half to twice its assets, ahead of 78% of them.
What is United Security Bank's efficiency ratio?
51.64% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 63.48%, and lower is better.
Is United Security Bank growing its loans?
Net loans grew 9.0% over the year to Q2 2026, while deposits grew 4.2%.
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.