UNITED SOUTHERN BANK

HOPKINSVILLE, KY | Small | Est. June 22, 1922, midnight | FDIC #9309 | RSSD #110945 | FED
Latest Report: 2025-12-31

UNITED SOUTHERN BANK is asn small FDIC-insured commercial bank headquartered in HOPKINSVILLE, KY, established in June 22, 1922, midnight. As of 2025-12-31, the bank reported total assets of $352M and total deposits of $302M. Profitability stands at 1.43% ROA and 12.61% ROE, with a net interest margin of 4.47%. The bank's CET1 capital ratio is 11.43%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.31% and a Texas Ratio of 1.95%. FDIC Certificate #9309.

Assets

$352M

Deposits

$302M

Loans

$276M

Equity

$40M

Profitability

Return on Assets (ROA) 1.43%
Return on Equity (ROE) 12.61%
Net Interest Margin (NIM) 4.47%
Yield on Assets 6.23%
Cost of Funds 1.84%

Asset Quality

NPL Ratio 0.31%
Net Charge-Off Ratio 0.04%
Texas Ratio 1.95%
NPA Ratio 0.24%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 11.43%
Tier 1 Capital 11.43%
Total Capital Ratio 12.00%
Leverage Ratio 12.09%
Loan-to-Deposit 91.25%

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