UNITED SOUTHERN BANK

UMATILLA, FL | Medium | Est. March 1, 1937, midnight | FDIC #15465 | RSSD #327435 | FDIC
Latest Report: 2025-12-31

UNITED SOUTHERN BANK is amn medium FDIC-insured commercial bank headquartered in UMATILLA, FL, established in March 1, 1937, midnight. As of 2025-12-31, the bank reported total assets of $842M and total deposits of $771M. Profitability stands at 1.43% ROA and 20.16% ROE, with a net interest margin of 3.94%. The bank's CET1 capital ratio is 7.30%. Asset quality metrics show a non-performing loan ratio of 0.52% and a Texas Ratio of 3.26%. FDIC Certificate #15465.

Assets

$842M

Deposits

$771M

Loans

$442M

Equity

$61M

Profitability

Return on Assets (ROA) 1.43%
Return on Equity (ROE) 20.16%
Net Interest Margin (NIM) 3.94%
Yield on Assets 4.77%
Cost of Funds 0.84%

Asset Quality

NPL Ratio 0.52%
Net Charge-Off Ratio -0.01%
Texas Ratio 3.26%
NPA Ratio 0.27%
ACL / Loans 2.09%

Capital & Liquidity

CET1 Ratio 7.30%
Tier 1 Capital 7.30%
Total Capital Ratio 7.67%
Leverage Ratio 10.38%
Loan-to-Deposit 57.34%

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