United State Bank (FDIC certificate #12214) is based in Lewistown, Missouri. Its Q2 2026 call report shows $290.1M in total assets and $258.4M in deposits and 6 offices.
Based on its Q2 2026 filing, United State Bank scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 50th. Its strongest component is problem-loan coverage (99/100; 0.5%), and its lowest is capital cushion (55/100; 10.50%).
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 2 points (78 → 80), mostly because the capital cushion component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 75 |
| Q4 2024 | 75 |
| Q1 2025 | 76 |
| Q2 2025 | 78 |
| Q3 2025 | 80 |
| Q4 2025 | 80 |
| Q1 2026 | 81 |
| Q2 2026 | 80 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.89% |
| Q3 2024 | 9.31% |
| Q4 2024 | 9.39% |
| Q1 2025 | 9.54% |
| Q2 2025 | 9.66% |
| Q3 2025 | 9.84% |
| Q4 2025 | 9.99% |
| Q1 2026 | 10.34% |
| Q2 2026 | 10.50% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.09% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.07% |
| Q4 2025 | 0.07% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.07% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.47% |
| Q3 2024 | 1.64% |
| Q4 2024 | 1.54% |
| Q1 2025 | 1.72% |
| Q2 2025 | 1.78% |
| Q3 2025 | 1.91% |
| Q4 2025 | 1.97% |
| Q1 2026 | 1.94% |
| Q2 2026 | 1.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $290.1M | 10.50% | 0.07% | 1.77% | 86.0% |
| Q1 2026 | 81 | $289.1M | 10.34% | 0.08% | 1.94% | 83.5% |
| Q4 2025 | 80 | $284.3M | 9.99% | 0.07% | 1.97% | 86.0% |
| Q3 2025 | 80 | $288.9M | 9.84% | 0.07% | 1.91% | 81.9% |
| Q2 2025 | 78 | $279.9M | 9.66% | 0.07% | 1.78% | 82.4% |
| Q1 2025 | 76 | $279.8M | 9.54% | 0.26% | 1.72% | 81.5% |
| Q4 2024 | 75 | $274.1M | 9.39% | 0.09% | 1.54% | 83.7% |
| Q3 2024 | 75 | $268.0M | 9.31% | 0.12% | 1.64% | 85.0% |
| Q2 2024 | 72 | $267.9M | 8.89% | 0.23% | 1.47% | 84.1% |
2,650 peers · $100 million – $1 billion
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 |
|---|---|---|---|---|---|
| St. Johns Bank and Trust CompanyBank Saint Louis, MO | 47 out of 100, Below average | $297.1M | 12.3% | 3.28% | vs |
| Commercial BankBank Saint Louis, MO | 51 out of 100, Below average | $282.9M | 7.9% | 1.00% | vs |
| Ozarks Federal Savings and Loan AssociationBank Farmington, MO | 76 out of 100, Strong | $277.2M | 15.1% | 0.95% | vs |
| Century Bank of the OzarksBank Gainesville, MO | 74 out of 100, Strong | $305.3M | 8.8% | 0.19% | vs |
| Community First Banking CompanyBank West Plains, MO | 75 out of 100, Strong | $307.3M | 10.3% | 0.00% | vs |
| Arlo BankBank Springfield, MO | 77 out of 100, Strong | $269.1M | 13.5% | 0.00% | vs |
Deposit insurance
Is my money safe at United State Bank?
Yes. United State Bank is an FDIC-insured institution (FDIC certificate #12214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.1% of deposits ($26.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.50%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.10% (benchmark: 10%).
6 locations
Branches
United State Bank lists 6 offices in 6 cities. Most locations:
- Canton, MO (1)
- Edina, MO (1)
- Ewing, MO (1)
- Lewistown, MO (1)
- Palmyra, MO (1)
- Shelbina, MO (1)
Identity & history
Profile
- Legal name
- United State Bank
- Former names
- The Lewistown State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12214
- RSSD ID
- 659556
- Primary regulator
- FDIC
- Holding company
- River Valley Bancshares Inc
- Established
- September 8, 1928
- Headquarters
- 102 W Main St, Lewistown, MO 63452
- Website
- www.usb1.com
- Employees
- 54
Quick answers
United State Bank: common questions
Is United State Bank FDIC insured?
Yes. United State Bank is an FDIC-insured institution (FDIC certificate #12214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United State Bank's TellerScore?
80 out of 100 (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 State Bank ever failed?
There is no failure record for FDIC certificate #12214 in the FDIC failed bank list.
How many branches does United State Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lewistown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Town & Country Bank MidwestBank Quincy, IL | 92 out of 100, Very strong | $279.3M | 14.9% | 0.15% | vs |
| The Citizens Bank of EdinaBank Edina, MO | 81 out of 100, Strong | $106.7M | 14.5% | 1.45% | vs |
| HNB National BankBank Hannibal, MO | 81 out of 100, Strong | $1.3B | 9.7% | 0.06% | vs |
| Peoples Bank of Wyaconda, MissouriBank Kahoka, MO | 78 out of 100, Strong | $148.5M | 10.6% | 0.02% | vs |
| HomeBankBank Palmyra, MO | 74 out of 100, Strong | $733.3M | 9.6% | 0.29% | vs |
| United Community BankBank Chatham, IL | 72 out of 100, Strong | $4.1B | 10.2% | 0.31% | vs |