United Security Bank

2050 Bluff Street
Fulton, MO 65251


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1427
Date Established 1930
Assets $0.06 billion
Loans $0.04 billion
Deposits $0.05 billion
Capital $0.01 billion

United Security Bank is an FDIC insured institution located in Fulton, MO. It was founded in 1930 and has approximately $0.06 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of United Security Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 25, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
3 Mo CD
0.25% $500 - Learn MoreShow Less
6 Mo CD
0.50% $500 - Learn MoreShow Less
12 Mo CD
1.00% $500 - Learn MoreShow Less
18 Mo CD
1.15% $500 - Learn MoreShow Less
24 Mo CD
1.25% $500 - Learn MoreShow Less
30 Mo CD
1.25% $500 - Learn MoreShow Less
36 Mo CD
1.50% $500 - Learn MoreShow Less
48 Mo CD
1.75% $500 - Learn MoreShow Less
60 Mo CD
2.00% $500 - Learn MoreShow Less

Fixed IRA
1.00% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1,000 - Learn MoreShow Less

Loan Rates - August 25, 2019

Your Current Location: Washington, WA 98101

There are currently no loan rates available for United Security Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

Note to United Security Bank
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Financial Details

United Security Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United Security Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
United Security Bank U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, United Security Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $8,320,000 in equity and $512,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
United Security Bank U.S. Bank Average
10.29% 9.47%

United Security Bank has a Return on Equity of 10.29% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

United Security Bank U.S. Bank Average
13.58% 12.49%

United Security Bank has a Capitalization of 13.58% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

United Security Bank Balance Sheet Analysis

As of March 31, 2019, United Security Bank had assets of $61,251,000, loans of $42,398,000, and deposits of $51,141,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.05 billion
Total deposits $0.05 billion
      Interest-bearing deposits $0.04 billion
      Deposits held in domestic offices $0.05 billion
      % insured (estimated) 67.20%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.05 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in United Security Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Missouri, United Security Bank has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 49.24
Credit Card Loans 0.00
Consumer Auto Loans 5.92
Small Business Loans 0.00
Construction and Development Loans 2.51
Commercial Real Estate 10.21
Commercial and Industrial Loans 12.74
Farm Loans 3.14

Frequently Asked Questions About United Security Bank

Branches and Savings

Is United Security Bank FDIC insured?

Yes. It is covered under FDIC Certificate #1427.

Why does United Security Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are United Security Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is United Security Bank a commercial bank?


Where are United Security Bank locations?

See branch locations nearby.

Is United Security Bank open on Saturdays?

Is United Security Bank open on Sundays?

What time does United Security Bank open?

What time does United Security Bank close?

Are United Security Bank ATMs Open 24/7?

Do United Security Bank ATMs accept cash deposits?

Can United Security Bank customers use other ATMs?

Do United Security Bank branches have notaries?

Will United Security Bank notarize my document?

What address for United Security Bank should I put for incoming ACH transfers?

Will the United Security Bank branch print checks?

Do United Security Bank checks expire?

Does United Security Bank require US citizenship to open account?

Can United Security Bank close my account?

Does United Security Bank Report to credit bureaus?

Does United Security Bank Use Equifax?

What is United Security Bank's ACH Routing Number?

What is United Security Bank's SWIFT code?


Does United Security Bank offer mortgages?

Compare mortgage rates here.

Does United Security Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United Security Bank offer personal loans?

Compare personal loan rates here.

Does United Security Bank offer student loans?

Will United Security Bank cash a check?

Will United Security Bank redeem a savings bond?

Does United Security Bank cash savings bonds?

Will United Security Bank cash money orders?

Can United Security Bank issue a money order?

Does United Security Bank do currency exchange?

Background on The Bank

Who owns United Security Bank?

How long has United Security Bank been around?

Can United Security Bank transfer to other banks?

Does United Security Bank have quick pay?

Does United Security Bank accept rolled coins?

Will United Security Bank accept loose change?

Where is United Security Bank headquarters?

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