Bank · FDIC insured
United State Bank
A $290.1M bank headquartered in Lewistown, MO, with 6 branches in Missouri. Best rates: CDs 3.80% and savings 1.00% APY.
United State Bank Carrot Score
79
Carrot Score
Higher than 48% of U.S. banks and credit unions
#3 of 10 in Quincy, IL-MO metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About United State Bank
United State Bank traces its history to 1922 when Durham State Bank was founded, later merging with Lewistown State Bank in 1936.
The institution adopted the United State Bank name in 1991 upon opening an Edina branch and expanded to six Missouri branches by 2020.
- Headquarters
- 102 W Main St, Lewistown, MO 63452
- FDIC certificate
- 12214 ↗
Branches
6 branches in Missouri
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Missouri
6 branches
Quincy area · 3
- United State BankMain office102 W Main St, Lewistown, MO 63452Directions
- Canton Branch100 S 4th St, Canton, MO 63435Directions
- Drive-In And Branch Office Facility200 E State Highway 6, Ewing, MO 63440Directions
Edina area · 1
- Edina Branch107 N 1st St, Edina, MO 63537Directions
Hannibal area · 1
- F&M Bank And Trust Company Branch201 N Main St, Palmyra, MO 63461Directions
Shelbina area · 1
- F&M Bank And Trust Company Branch100 E Chestnut St, Shelbina, MO 63468Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.50% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.07% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.77% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $87 | $81 | — |
- CapitalLeverage ratio10.50%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.07%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.77%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$87Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of United State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.