United State Bank

What United State Bank does

United State Bank is a privately held community bank founded in 1922 and headquartered in Lewistown, Missouri. The bank operates six physical branches across Northeast Missouri—Lewistown (main), Ewing, Edina, Palmyra, Shelbina, and Canton—serving individual consumers, small businesses, and agricultural operations in low-population-density rural communities. Its product portfolio spans traditional deposit accounts (checking, savings, money market, CDs, IRAs), lending products (personal/auto, mortgage, agricultural, and commercial loans), consumer and business credit cards, and non-deposit crop and livestock insurance products.

The bank operates on a traditional core banking platform augmented by a stack of third-party providers rather than proprietary technology: BankJoy powers internet and mobile banking, ZIX delivers encrypted email communications, SwipeSimple handles online loan payments, Wolters Kluwer underpins online loan applications, UMB issues business credit cards, and MasterCard-brand debit cards run on Flag and School Spirit variants. MoneyPass provides surcharge-free ATM network access. Beyond core banking, the bank offers business-oriented add-ons including Merchant Card Processing, Remote Deposit Capture, Positive Pay fraud detection, and USB EasyAccess 24/7 telephone banking.

Revenue is generated primarily through net interest income on a loan book weighted toward agricultural, commercial real estate, and consumer lending, supplemented by deposit account service charges (maintenance fees, overdraft and ATM fees), card interchange, merchant processing spreads, and commissions on multi-peril crop and hail insurance. Distribution is community-led and relationship-based through the six-branch footprint, complemented by direct-to-consumer digital channels; the bank is FDIC-insured, an Equal Housing Lender, and has remained under continuous local/family stewardship since Lorenzo H. Gnuse, Sr. founded Durham State Bank in 1922.

Name

United State Bank

Legal name

United State Bank

Website

https://usb1.com

Company type

Private

Founded year

1922

Operating status

Operating

Short description

United State Bank is a privately held community bank founded in 1922, operating six branches across Northeast Missouri to provide deposit, lending, credit card, and crop insurance products to households, small businesses, and agricultural operations in rural Lewis, Knox, Marion, Ralls, and Shelby counties.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Community banking services
• Agricultural lending
• Personal deposit accounts
• Small business loans
• Retail mortgage lending

Headquarters

HQ city

Lewistown

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income from Loans: Primary revenue stream from interest charged on personal loans, auto loans, mortgage loans, agricultural loans, and commercial loans. Interest rates vary by product type and creditworthiness.
2. Deposit Account Fees: Monthly maintenance fees, ATM fees (when customers use non-network ATMs), overdraft fees, and other account service charges.
3. Card Services: Revenue from ATM/debit card transactions, credit card interchange fees, and merchant card processing services.
4. Insurance Products: Non-deposit insurance products including multi-peril crop insurance and hail insurance for agricultural customers.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels4 records

Core offering

United State Bank is a community bank offering personal and business deposit accounts (checking, savings, money market, CDs, IRAs), consumer and commercial lending products (auto loans, mortgages, agricultural loans, commercial loans, credit cards), and ancillary services such as merchant card processing, remote deposit capture, and crop/livestock insurance. The bank serves consumers, small businesses, and agricultural operations across Northeast Missouri through six physical branches complemented by internet, mobile, and telephone banking channels.

Product overview

United State Bank is a community bank offering a comprehensive suite of traditional banking products through a platform-plus-services architecture. The core product portfolio spans personal and business deposit accounts (checking, savings, money market, CDs/IRAs), lending products (personal, mortgage, agricultural, and commercial loans), and credit cards. Digital banking services include Internet Banking via BankJoy, Mobile Banking, and a Secure Message Center powered by ZIX. Business services encompass Merchant Card Processing, Remote Deposit Capture, and Positive Pay fraud protection. The bank operates six branches across Northeast Missouri and maintains partnerships with MoneyPass (ATM network), SwipeSimple (loan payments), UMB (business credit cards), and MasterCard (debit cards).

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts
• Personal Savings Accounts
• Certificates of Deposit
• Individual Retirement Accounts (IRAs)
• USB Flag Debit Card
• School Spirit Debit Card
• Personal and Auto Loans
• Mortgage Loans
• Credit Cards
• Agricultural Loans
• Commercial Loans
• Crop and Livestock Insurance
• Business Checking Accounts
• Business Savings Accounts
• Merchant Card Processing
• Remote Deposit Capture
• Positive Pay
• Internet Banking
• Mobile Banking
• USB EasyAccess Voice Banking
• Safe Deposit Boxes

Quantifiable outcome

• Over 100 years in continuous operation since 1922

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• MoneyPasscoreChannel Partner/ Reseller/ DistributorMoneyPass is a nationwide ATM network partnership providing United State Bank customers with surcharge-free ATM access across the MoneyPass network. Download the MoneyPass app or visit their website to find surcharge-free ATMs.
• UMBminorChannel Partner/ Reseller/ DistributorUnited State Bank has partnered with UMB to provide business credit cards to business customers as a competitive credit card alternative.
• USDAminorOthersUnited State Bank participates in USDA programs and offers multi-peril crop insurance with government subsidies as standard among all providers.

Scale indicators3 records

Recent moves10 records

Expansion highlights5 records

Direct peers

• BTC Bank: BTC Bank is a Missouri-based community bank serving similar rural/small-town markets with consumer deposits, ag lending, and business banking. Comparable footprint, customer mix, and product breadth to USB.
• Hawthorn Bank: Hawthorn Bank is a Missouri community bank offering consumer, business, and mortgage banking across multiple branches. Comparable community banking model, regulatory standing, and product breadth to USB.
• Macon-Atlanta State Bank: Macon-Atlanta State Bank is a North Central Missouri community bank with similar size and product mix including ag lending, consumer deposits, and business banking. Direct peer given overlapping rural Missouri footprint.
• HNB National Bank: HNB National Bank is a community bank headquartered in Hannibal, Missouri, in the same Northeast Missouri region as USB. Similar scale, product mix (deposits, ag, mortgage, business lending), and target customer base.
• Central Bank of Boone County: Central Bank of Boone County is a mid-Missouri community bank offering personal, business, and ag lending. Similar full-service community banking model with comparable deposit and loan products.

Broad incumbents

• Academy Bank: Academy Bank is a consumer and small-business community bank with retail/branch footprint in the Midwest. Comparable deposit and consumer lending focus, but broader and more digital-led than USB.
• First Bank: First Bank is a larger regional/community banking franchise with personal, business, and ag lending. Serves overlapping customer segments but at a meaningfully larger scale than USB.
• Commerce Bank: Commerce Bank is a larger Missouri-headquartered regional bank with consumer, business, and ag banking. Overlaps with USB's product set but operates at materially greater scale and geographic reach.
• Great Southern Bank: Great Southern Bank is a larger Missouri-headquartered community/regional bank with significantly broader branch footprint and product suite. Comparable business model but materially larger scale than USB.

Emerging players

• Chime: Chime is a digital-first consumer banking platform that competes for retail deposits and consumer checking relationships in rural markets. Not a direct product peer, but represents the emerging fintech competition USB faces for consumer wallet share.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/unitedstatebank
• LinkedInlinkedin.com/company/united-state-bank

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United State Bank