# UNITED STATE BANK
LEWISTOWN, MO · FDIC certificate 12214 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $290.1M | |
| Deposits | $258.4M | |
| Loans and leases | $225.3M | |
| Total equity | $30.1M | |
| Loans / deposits | 85.99% (p73 of band) | 73.59% |
| Liquid assets / assets | 18.38% (p18 of band) | |
| Uninsured deposits / deposits | 10.06% (p14 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.50% (p32 of band) | 11.76% |
| Unrealized securities loss / equity | -3.70% (p62 of band) | -6.57% |
| AOCI / equity | -0.26% (p55 of band) | |
| ROA (annualized) | 1.77% (p79 of band) | 1.17% |
| Net interest margin | 4.60% (p79 of band) | 3.93% |
| Efficiency ratio | 57.66% (p29 of band) | |
| Noncurrent loans | 0.07% (p32 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p57 of band) | |
| Reserve coverage of noncurrent | 2090.00% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 40.27% (p73 of band) | |
| Auto loans | $964,000 (0.43% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 54 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | reserve under noncurrent |  |
| 2020-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2021-03 | 1 | capital falling | charge-offs p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | deposits shrinking |  |
| 2023-03 | 0 |  | deposits shrinking |
| 2023-06 | 1 | uninsured deposits leaving |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-01-11 [Johnson-Turner IDEA Center at Culver-Stockton College benefits from gift from United State Bank - Muddy River News](https://news.google.com/rss/articles/CBMijgJBVV95cUxNZWk1TGRWdG51ZEZqS3dyNUNwM21vbEwxSGRETGpPRW1IVG5aVFo5akowUlMtVnprSU9ScS1kNmIzUndBcUlwZWRFeE44VGRiVXVjVkJxT1lMTzlPRE9SWFlpdFFCd0hjNkJDam1xQ1pzakgySUd5Y2ZNbF9wd3FDTzNORWRuc0R5b3FpYmUwQWVUeXowY3E0M3N5RHJGQ3d0eGpFYjd3VGlsYzJaMFdsMzBxSmVkRzBqazBYakJGT3FkTmltTDJwWWp0aUNPWDJBSWhEOUFzS2M5RUpKTTUwMlEwTDhFTm1wYUVVM0dtS2lteEZMa2t0ZXdJVVgwUENsQzV2WW91NHkzTC1xLXc?oc=5) · Muddy River News
- 2022-03-15 [Time Machine: The first bank robbery in Cedar Rapids - thegazette.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOeEhkVVg4YXdWZDN1ZXRxVmxjLTZONXZmMTlReHhqcldFanlFMlllcTdoV0hUTk1PdFhhdjhCeXItcFphbXNoSjJLZFVmSm5YcHFZdjlvSDdTbGdHSnNwSnpaRjVUa1daUlBxbm5CVklzY3BVMm1yWGdTbXhmb0ZHQnIwT3VBY1Q5dXNaNlM2aGNxY2lTdFpFeVdKajhSdHBfUHNjQlFHUVhqcXg5U1psSWVwdWFRV25PNTRIWk5HYjVTNjBVSTg4dHNGd0NtdnFjR3ZN?oc=5) · thegazette.com
- 2014-12-22 [Robert M. Wakefield Obituary Dec 22, 2014 - wheelanpressly.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE5GRVNHZWNrUWtGazBsWUVoakpUN1o3U0pZWG12VFVXWkdGRmprZDlJOHlQQTNuVFdab093bWdHR3V4ZTlHcHVnbG5DVTlHSTZKQk1rc2E1MURCSUxFM2J2NmpZVWNoa0I1cVE?oc=5) · wheelanpressly.com
- 2023-12-20 [Bankjoy Achieves New Milestones in 2023, Expanding Client Base To 68 Banks & Credit Unions Nationwide - Business Wire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNRHhIeXlFR1ZyZDlRZTN2NXZBNmtINWE1ZnlPT0t1dlB6cGFxN2dPYXQtN0FKeW1NTmppN3Q3XzgxeGhRZVZoc2ktVkxmT0s5VHBYejYwcGQ4ZUZtZ2w5Wmg1N3pGRGF6cHplYldVZGczU3MxS01ITlV1SXpScWROUmRaclVCUm1sNHRNODRVRmk1NzhZeTBQV3FrakU4Ri1ORWE2cVljQ1E1bG5LS0E3MDhGbDh6ZThvZ243NWpaeUZSbG84S0hZOVduaGhON1hFN0VPZE1Vdlp6aU1scnlOalhlcHNlbklLVlFR?oc=5) · Business Wire
- 2022-01-18 [Great River Honor Flight Donations 2022 - WGEM](https://news.google.com/rss/articles/CBMifEFVX3lxTE1hdjQ4aFBZZ05CUUx4VjllNDUyMzNtbHN2bnRiclN0akZBR2JRVjhOcWhoZGktWEowQVJpY2hUOWowZEZnMUpUVkd3VDR2MmlUN0hYSk9qd1N6WU9EZ0NJeGhzQlZnTnpCa29kWWRPNUJvNG8wYko3ajRMRXE?oc=5) · WGEM
- 2024-08-09 [Marilyn Simmons Obituary (2024) - Edina, MO - Herald-Whig - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPSUhxb21iRmFjelZZa3RPN0oyQ09IMmNkZnY1Q0RrTmRsdy1GMjRPcE9CWktxTW5HZERwaFVFa3ZCX00yUzdDUmlXaXM0U3J5Qm5DeXhpNWl2amtBYXFna25rOUhEbEtvcmI1Y0RBM3RCemhHeWhVZU4xUEpyTXpxOUc2M3Zuel9hWjNF?oc=5) · legacy.com
- 2023-07-26 [Community Foundation creates charitable resource with Shelby County Endowment Fund - Muddy River News](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOcUR5c3NLY2VuZTFZeEMwTXdPSFctWTFtclJsRWszTDM5Y0hJNjRMSVB3WjB2NW4yb29JMzdSVDlYVUVvOXR4bDZXQjVaOVlFVEYwS3J0RDRrcExOTmR5blpMaktzYktaYXVrOW1JQTBRNFlDSkJaNV9CdTRxaFpSazZqcFZRX0dRVkI2VFFob3ItTjRhczU2VzZzQ0lwa0dYSl9WWEpXU0taQlZ1cno5TFpuOTB5ZlQ2RlhaVXYyVWlxZU5fcWpIUGpwdm9vSlRoN1E?oc=5) · Muddy River News
- 2021-10-15 [Robert Wakefield Obituary (2014) - Rock Island, IL - Herald-Whig - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOVlUycjRKdkZJUEN4MTd0QVBvQm9pNy00X3NsOGV4ZmdPM0x0WVh6Q1g4SndSTVhpQWt6eU9rU2dualREdDY0dHZIOS1JeE1JdE5VUkZNSGhRd3NqVUgtNUNpdFBuSmdaUkVfOTNQUzRneXZiWVlWRzdsOXpkakhaZ19tSTQtaU9yZ0w0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12214 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "12214", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide