# UNITED SECURITY BANK
FULTON, MO · FDIC certificate 1427 · 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 | $97.2M | |
| Deposits | $81.2M | |
| Loans and leases | $76.6M | |
| Total equity | $11.8M | |
| Loans / deposits | 93.03% (p84 of band) | 73.59% |
| Liquid assets / assets | 20.87% (p24 of band) | |
| Uninsured deposits / deposits | 39.23% (p92 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.11% (p69 of band) | |
| FHLB advances / assets | 4.11% | |
| Tier 1 leverage | 13.38% (p66 of band) | 11.76% |
| Unrealized securities loss / equity | -10.39% (p39 of band) | -6.57% |
| AOCI / equity | 0.31% (p93 of band) | |
| ROA (annualized) | 1.83% (p81 of band) | 1.17% |
| Net interest margin | 4.02% (p55 of band) | 3.93% |
| Efficiency ratio | 51.64% (p16 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p79 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 48.24% (p78 of band) | |
| Auto loans | $3.6M (4.65% of loans; DQ 0.42%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 13 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | charge-offs p90 |  |
| 2017-09 | 0 |  | capital falling, charge-offs p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | deposits shrinking |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | assets shrinking |  |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 0 |  | deposits shrinking |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 4 | AOCI drag >20% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-09 | 5 | securities losses >30% of equity, charge-offs p90 | uninsured deposits leaving |
| 2022-12 | 4 |  | assets shrinking |
| 2023-03 | 0 |  | AOCI drag >20% of equity, deposits shrinking, securities losses >30% of equity, charge-offs p90 |
| 2023-06 | 3 | wholesale funding >15%, capital falling, securities losses >30% of equity |  |
| 2023-09 | 1 |  | wholesale funding >15%, capital falling |
| 2023-12 | 2 | wholesale funding >15%, deposits shrinking | securities losses >30% of equity |
| 2024-03 | 1 | charge-offs p90 | wholesale funding >15%, deposits shrinking |
| 2024-06 | 0 |  | charge-offs p90 |
| 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)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2021-09-22 [Obituary information for Walter Schubert - Millard Family Chapels](https://news.google.com/rss/articles/CBMigwFBVV95cUxNa0U3WVRQb2R5WEhZeC1wbjA5bWlGcnZlR3loWnQzVmZkME8ydllDbVRnMXRxNFNxU2FMbXd1NHpPQXBsYk9qajVodjh5YmhKYy14c3hnUUI2aTQtWFRlQzB6Z21uRi04bjhUbTE3SmxQbjVtZjdjUnUycEZHNG1VczZMTQ?oc=5) · Millard Family Chapels
- 2022-02-10 [Antoinette Schubert Obituary - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMie0FVX3lxTE8wQkxtMGFydzN5MkRYZVY5d3Y3aDh0UWpHeXdkVXlxX2lCQ2RMcXJCcUx4VV9VZk5LTkotRlM2VEtsZmg1WWg5UXRCN0Y4LU9rLWJpR2N5R3FIc3FmelY4TlN3bDRXbnpyd2xEdGVzcjZpd0RyQy1WR3ZNVQ?oc=5) · Jefferson City News Tribune
- 2013-06-05 [Todd Alfred Durlin Obituary - fultonsun.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE40WUJ0RlZoMW5NbnZzME1vZ1Q1Q0RCWm9nQ09QNHZnTUZuTGVTTHM3M3lob0J5UW12UWlteW9UajI3NnZmT3lnd0dKanFTMGJhdlV2QlU5ajJmbDluOHZJV05WUkRqdUNtLWJOQ2RfaHBldGVB?oc=5) · fultonsun.com
- 2021-08-09 [Auxvasse Loafer’s Week Gets Underway - KXEO](https://news.google.com/rss/articles/CBMickFVX3lxTE9DQUxsZjVTU0xwWnNESUJWZjlyY3Q5NGY0bzJfYV9sc3BhTW9ya1RUOUlha2xlVGJEMm5pR29BWkJ3MXNNWl9ia0cwSFhPZVl5QTJfM2NMZXlpazhyRzRhb25tU1ltd2tXWGZ0WkFZd3h0Z9IBd0FVX3lxTE0xY2p2MVd2dzhTaXNSaVZiXzNob2g1aHNRaWFnal9mTHJvc3MzM0NacVdjeklwLXMwMXBfM3VwcVpQVFVlaEUtRWVkcjRfSDBKRHhCcmREUWVZM3BhTzRuTU92WnN4UUVzdklOUU12clVzNXUwRkE0?oc=5) · KXEO
- 2023-03-17 [Patricia Ann Anderson Obituary (2023) - Fulton, MO - Maupin Funeral Home - Fulton - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOaF9EWkMxQnZQaGp3WTJEendXMjIwNlJDUXNKVFRjWWhNWnNOa1Z3QWFZX2JmVU1OOWtHUnNiSjRfZUtlcm05OEUzLUgyV2tWQTIwN09lVkRtUzBTYjRPOHVyVk1WQlZoejZJOGtHdDEyQ0ExU2JpUVNDOVJVQms2clcyd1V3Umc?oc=5) · legacy.com
- 2003-04-03 [Robert Freeman Adams - AL.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPSjhyckJmYUlzTnhfSGlaZEhlTURuUUZWUThuTXdQYXVmVE1iVDhHb3hVbHVXY0JtMjVPVGZnUmlrSWZxV0VZaHdLdkgwTXhiUnJ4NXgwMFZVMEsxUjBaN0h4bVdPczktVk5XRF92dXd1ak5ScklXeVAwWTlQMFp6UG5TdUt6VkU?oc=5) · AL.com
- 2014-10-07 [Obituary information for Isabelle Marie Soteros - Millard Family Chapels](https://news.google.com/rss/articles/CBMijAFBVV95cUxNbWNRTUxsVlJ1Q09qOUVPVTJFMS0wTFFXWFVKOU1vR1VhSUJ1MktHbkItZnZGX1BTY2lfUDZieF9SNVZWX2tMZTBOaDhQOGg1UDZxMjZ1YTZvQ0VOdEZIeDlQb2NFSnZjdjA0Mmw2YWFrclVuaG1SckJfeDUtcUxZd1k4RU5DVlk3OHRTVg?oc=5) · Millard Family Chapels

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1427 (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/19.json (key "1427", 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