United State Bank (FDIC #12214): Bank Stress & Real-Estate Credit Exposure

United State Bank (FDIC Cert #12214): bank stress 54/100, moderate, STABLE over 7 days; parent RIVER VALLEY BANCSHARES INC.

United State Bank (#12214) lends in 4 counties across 1 state; United State Bank (#12214) reaches 32 ZIP codes: Missouri 4 counties, 32 ZIPs.

United State Bank (#12214) largest markets: Knox County, MO (12 branches, 12 ZIPs) (#12214), Lewis County, MO (36 branches, 12 ZIPs) (#12214), Marion County, MO (10 branches, 10 ZIPs) (#12214), Shelby County, MO (9 branches, 9 ZIPs) (#12214).

United State Bank (#12214) reports $290.1 million in total assets; United State Bank (#12214) equity $30.1 million (10.4% of United State Bank (#12214) assets); United State Bank (#12214) domestic deposits $258.4 million; United State Bank (#12214) net income $2.5 million; United State Bank (#12214) return on assets 1.77%; United State Bank (#12214) return on equity 17.43%; United State Bank (#12214) net interest income $6.1 million; United State Bank (#12214) call report June 30, 2026.

United State Bank (#12214) noncurrent real-estate loans: none reported; United State Bank (#12214) net charge-offs on real estate 0.05%.

United State Bank (#12214) net interest margin 4.60% against an eight-quarter United State Bank (#12214) average of 4.32% (United State Bank (#12214) compression -0.28 points); United State Bank (#12214) rate-exposure score 40/100, United State Bank (#12214) fixed-rate trap 40/100; United State Bank (#12214) risk type credit driven; United State Bank (#12214) rate regime rates elevated, United State Bank (#12214) snapshot October 19, 2026.

United State Bank (#12214) stress score moved from 50.1 on June 22, 2026 to 53.9 on October 19, 2026; United State Bank (#12214) ranged 50.1 to 53.9 over 116 snapshots.

United State Bank (#12214) alerts: 4 counties; top United State Bank (#12214) alert scores: Edina County, MO 19 (low); Lewistown County, MO 19 (low); Palmyra County, MO 19 (low); Shelbina County, MO 19 (low).