United Security Bank (FDIC certificate #1427) is based in Fulton, Missouri. Its Q2 2026 call report shows $97.2M in total assets and $81.2M in deposits and 3 offices.
Based on its Q2 2026 filing, United Security Bank scores 85/100, which we describe as very strong. That is higher than 78% of 546 banks with under $100 million in assets. Among 194 banks headquartered in Missouri, it ranks 24th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (40/100; 93% loans-to-deposits, 39% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 11 points (74 → 85), mostly because the earnings component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 75 |
| Q4 2024 | 74 |
| Q1 2025 | 77 |
| Q2 2025 | 74 |
| Q3 2025 | 79 |
| Q4 2025 | 77 |
| Q1 2026 | 82 |
| Q2 2026 | 85 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.94% |
| Q3 2024 | 12.01% |
| Q4 2024 | 11.98% |
| Q1 2025 | 12.42% |
| Q2 2025 | 12.70% |
| Q3 2025 | 12.77% |
| Q4 2025 | 12.63% |
| Q1 2026 | 12.68% |
| Q2 2026 | 13.38% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.46% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 1.06% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.21% |
| Q2 2025 | 1.31% |
| Q3 2025 | 1.41% |
| Q4 2025 | 1.27% |
| Q1 2026 | 1.82% |
| Q2 2026 | 1.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $97.2M | 13.38% | 0.00% | 1.83% | 93.0% |
| Q1 2026 | 82 | $98.2M | 12.68% | 0.00% | 1.82% | 96.2% |
| Q4 2025 | 77 | $98.6M | 12.63% | 0.00% | 1.27% | 91.4% |
| Q3 2025 | 79 | $96.4M | 12.77% | 0.00% | 1.41% | 86.6% |
| Q2 2025 | 74 | $94.2M | 12.70% | 0.46% | 1.31% | 88.9% |
| Q1 2025 | 77 | $91.8M | 12.42% | 0.00% | 1.21% | 87.7% |
| Q4 2024 | 74 | $93.4M | 11.98% | 0.00% | 0.93% | 88.0% |
| Q3 2024 | 75 | $93.3M | 12.01% | 0.00% | 1.06% | 89.3% |
| Q2 2024 | 71 | $92.5M | 11.94% | 0.37% | 0.94% | 83.8% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Silex Banking CompanyBank Silex, MO | 81 out of 100, Strong | $98.2M | 14.7% | 0.91% | vs |
| Investors Community BankBank Chillicothe, MO | 68 out of 100, Moderate | $98.5M | 11.1% | 0.62% | vs |
| Community Bank of MissouriBank Richmond, MO | 74 out of 100, Strong | $94.1M | 13.9% | 1.98% | vs |
| Flat Branch BankBank Richmond, MO | 71 out of 100, Strong | $92.8M | 12.6% | 0.00% | vs |
| Paramount BankBank Hazelwood, MO | 55 out of 100, Moderate | $86.6M | 10.9% | 0.55% | vs |
| Peoples Bank of Moniteau CountyBank Jamestown, MO | 75 out of 100, Strong | $83.2M | 11.1% | 0.72% | vs |
Deposit insurance
Is my money safe at United Security Bank?
Yes. United Security Bank is an FDIC-insured institution (FDIC certificate #1427). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.2% of deposits ($31.9M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.38%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.68% (benchmark: 10%).
3 locations
Branches
United Security Bank lists 3 offices in 3 cities. Most locations:
- Auxvasse, MO (1)
- Fulton, MO (1)
- Kingdom City, MO (1)
Identity & history
Profile
- Legal name
- United Security Bank
- Former names
- Security Bank of Auxvasse
- Type
- State-chartered bank
- FDIC certificate #
- 1427
- RSSD ID
- 630340
- Primary regulator
- FDIC
- Holding company
- Mid-Mo Bancshares Inc
- Established
- January 25, 1930
- Headquarters
- 2050 N Bluff St, Fulton, MO 65251
- Employees
- 13
Quick answers
United Security Bank: common questions
Is United Security Bank FDIC insured?
Yes. United Security Bank is an FDIC-insured institution (FDIC certificate #1427). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Security Bank's TellerScore?
85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Security Bank ever failed?
There is no failure record for FDIC certificate #1427 in the FDIC failed bank list.
How many branches does United Security Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fulton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Knox Co. Employees Credit UnionCredit union Knoxville, TN | 96 out of 100, Very strong | $12.5M | 18.8% | 0.04% | vs |
| Farmers Bank of Lohman, MissouriBank Jefferson City, MO | 93 out of 100, Very strong | $82.9M | 17.1% | 0.02% | vs |
| Legends BankBank Linn, MO | 90 out of 100, Very strong | $635.5M | 18.3% | 0.51% | vs |
| United Credit UnionCredit union Mexico, MO | 88 out of 100, Very strong | $302.1M | 15.2% | 0.40% | vs |
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |
| Internal Revenue Employees Federal Credit UnionCredit union Greensboro, NC | 80 out of 100, Strong | $12.2M | 29.4% | 0.75% | vs |