BanksUNITED SOUTHERN BANK

UNITED SOUTHERN BANK

UMATILLA, FLMediumEst. March 1, 1937, midnightFDIC #15465RSSD #327435FDIC
Latest · 2025-12-31

UNITED SOUTHERN BANK is an 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 3.61%. CET1 capital ratio: 7.30%. NPL ratio: 0.87% · Texas Ratio: 5.42%. Operates 14 domestic branches.

Assets
$842M
Deposits
$771M
Loans
$442M
Equity
$61M

Profitability

Return on Assets (ROA)1.43%
Return on Equity (ROE)20.16%
Net Interest Margin3.61%
Yield on Assets4.38%
Cost of Funds0.84%

Asset Quality

NPL Ratio0.87%
Net Charge-Off Ratio0.00%
Texas Ratio5.42%
NPA Ratio0.45%
ACL / Loans2.09%

Capital & Liquidity

CET1 Ratio7.30%
Tier 1 Capital7.30%
Total Capital Ratio7.67%
Leverage Ratio10.38%
Loan-to-Deposit57.34%

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