United State Bank

Overview / Commentary

www.usb1.com

573-215-2283

102 West Main St
Lewistown, MO 63452

United State Bank is headquartered in Lewistown and is the 108^th largest bank in the state of Missouri. It is also the 2,807^th largest bank in the nation. It was established in 1928 and as of March of 2022, it had grown to 56 employees at 6 locations. United State Bank's money market rates are 14% higher than the national average, and it has an A health rating.

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Health

Data as of Q1 2022

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Health Grade Components

Overall
FDIC Certificate #	12214
Year Established	1928
Employees	56
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.21%
Return on Equity - YTD	14.13%
Annual Interest Income	$2.0MM

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$246.4MM$240.7MM
Loans	Q1 2022vs Q1 2021	$164.5MM$147.6MM
Deposits	Q1 2022vs Q1 2021	$225.5MM$218.7MM
Equity Capital	Q1 2022vs Q1 2021	$20.5MM$20.6MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$2.9MM$2.5MM
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$1.2MM$2.1MM
Real Estate Owned	Q1 2022vs Q1 2021	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	-	-	Regular Savings Account
0.10%	-	-	Business Regular Savings

United State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$50k^*	-	Advantage Money Market
OTHER TIERS: 0.10% → $1k - $2.5k \| 0.25% → $2.5k - $50k
0.50%^*	$50k^*	-	Business Advantage Money Market
OTHER TIERS: 0.10% → $1k - $2.5k \| 0.25% → $2.5k - $50k
0.30%^*	$25k^*	-	USB Plus Money Market
OTHER TIERS: 0.10% → Up to $25k
0.30%^*	$25k^*	-	Business USB Plus Money Market
OTHER TIERS: 0.10% → Up to $25k

United State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$2.5k^*	-	First Security Checking
OTHER TIERS: 0.10% → $1k - $2.5k
0.20%^*	$2.5k^*	-	Business First Security Checking
OTHER TIERS: 0.10% → Up to $2.5k
0.10%	-	-	NOW Checking Account
0.10%	-	-	Business NOW Checking
0.02%	$500	-	Hometown Checking
0.02%	-	-	Hometown Checking Plus
0.02%	-	-	Hometown Checking Plus 50

United State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$1k	-	48 Month CD
1.00%	$1k	-	60 Month CD
0.75%	$1k	-	36 Month CD
0.50%	$1k	-	24 Month CD
0.50%	$1k	-	30 Month CD
0.40%	$1k	-	12 Month CD
0.40%	$1k	-	18 Month CD
0.40%	$10k	-	7 Month CD Special
0.40%	$10k	-	11 Month CD Special
0.25%	$1k	-	90 Day CD
0.25%	$1k	-	182 Day CD
0.15%	$1k	-	30 Day CD
0.15%	$1k	-	60 Day CD

United State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$1k	-	48 Month IRA
1.00%	$1k	-	60 Month IRA
0.75%	$1k	-	36 Month IRA
0.50%	$1k	-	24 Month IRA
0.50%	$1k	-	30 Month IRA
0.40%	$1k	-	12 Month IRA
0.40%	$1k	-	18 Month IRA
0.25%	$1k	-	90 Day IRA
0.25%	$1k	-	182 Day IRA
0.15%	$1k	-	30 Day IRA
0.15%	$1k	-	60 Day IRA

Locations

United State Bank Locations
United State Bank	102 W Main St	Lewistown, MO 63452
Edina Branch	107 North First Street	Edina, MO 63537
Drive-In and Branch Office Facility	200 E State Hwy 6	Ewing, MO 63440
F&M Bank And Trust Company Branch	201 N Main St	Palmyra, MO 63461
F&M Bank And Trust Company Branch	100 East Chestnut	Shelbina, MO 63468
Canton Branch	100 South 4th Street	Canton, MO 63435

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