United Southern Bank (Hopkinsville, KY)
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Data as of · sourced from FFIEC call reports. How we update
United Southern Bank is an FDIC-insured commercial bank headquartered in Hopkinsville, KY, established in 1922 (FDIC certificate 9309), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $353.7M, up 1.1% from Q2 2025, the 55th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.66% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 9309
- Headquarters
- Hopkinsville, KY
- Established
- 1922
- Total assets, Q2 2026
- $353.7M
- Assets vs Q2 2025
- +1.1%
- Tier 1 leverage ratio, Q2 2026
- 12.66%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 083903580
- Latest call report
- Q2 2026, FFIEC 051 · United Southern Bank call report
- Holding company
- TODD BANCSHARES, INC.
- Asset rank in state
- 55th of 120 in Kentucky
Problem loans are falling at United Southern Bank. The Hopkinsville, Kentucky bank had $354 million in assets at June 30, 2026, up 1.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 0.37% of loans from 0.81% a year earlier. It keeps 4.47 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents).
Earnings jumped: net income for the quarter was $1.4 million, 37% above the same quarter a year earlier. Over the same year, loans grew 9.9% and deposits grew 2.1%.
As of June 30, 2026, United Southern Bank reported a return on assets of 1.53%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 2.28%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, United Southern Bank is the 55th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.8% to $353.7M, loans rose 0.7% and deposits fell 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.8% of total loans, followed by farmland and other real estate loans at 15.5%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities in KY; its Hopkinsville 3 offices book 47% of its branch deposits. On its Q2 2026 call report, United Southern Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1813 E 9th St, Hopkinsville, KY 42240
- County
- Christian
- Metro Area
- Clarksville, TN-KY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 22, 1922
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $308.3M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $356.4M
- Average total loans
- $281.9M
- Average interest-bearing deposits
- $222.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9309
- Fed RSSD
- 110945
- Website
- www.usbky.com →
- Parent Holding Company
- TODD BANCSHARES, INC. (RSSD 1140574)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, United Southern Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, United Southern Bank's total assets ran between $315.0M (Q3 2023) and $360.3M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$353.7M total assets against $349.9M; $310.9M total liabilities against $312.1M.
$277.9M net loans and leases against $253.1M; $308.3M total deposits against $302.0M.
$43.8M securities against $48.7M; $17.9M cash and balances due against $34.1M.
$5.2M total interest income against $4.8M; $1.4M total interest expense against $1.5M.
$3.8M net interest income against $3.2M.
$517K total noninterest income against $467K; $2.4M total noninterest expense against $2.3M.
$150K provision for credit losses against $120K.
$1.4M net income against $991K.
1.53% return on assets against 1.13%; 4.47% net interest margin against 3.90%.
12.66% tier 1 leverage ratio against 11.69%.
Inside the full United Southern Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnited Southern Bank rankings
Its closest position to the top of a national ranking is 1,240 of 3,606, for efficiency ratio; its furthest is 2,148 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.96% (Q1 2025) to 1.53% (Q2 2026) and its net interest margin ran from 3.54% (Q3 2024) to 4.47% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.66% | 1.53% | 0.37% | 2.28% | 4.47% |
| Q1 2026 | 12.29% | 1.38% | 0.37% | 2.33% | 4.34% |
| Q4 2025 | 12.09% | 1.43% | 0.31% | 1.95% | 4.35% |
| Q3 2025 | 12.08% | 1.34% | 0.41% | 2.59% | 4.19% |
| Q2 2025 | 11.69% | 1.13% | 0.81% | 5.07% | 3.90% |
| Q1 2025 | 11.58% | 0.96% | 0.81% | 5.32% | 3.71% |
| Q4 2024 | 11.43% | 1.05% | 0.85% | 5.70% | 3.66% |
| Q3 2024 | 11.48% | 1.13% | 0.62% | 4.06% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Southern Bank (main office) | Hopkinsville , KY | 42240 | $96.6M |
| Elkton Branch | Elkton , KY | 42220 | $88.7M |
| Trenton Branch | Trenton , KY | 42286 | $31.5M |
| Canton Street Branch | Hopkinsville , KY | 42240 | $29.2M |
| Crofton Branch | Crofton , KY | 42217 | $26.6M |
| Pembroke Branch | Pembroke , KY | 42266 | $18.0M |
| Clinic Drive Branch | Hopkinsville , KY | 42240 | $17.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 73 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $4.2M approved, $2.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about United Southern Bank
What are United Southern Bank's total assets?
As of the Q2 2026 filing, United Southern Bank reported total assets of $353.7 million in its FFIEC call report.
Where is United Southern Bank headquartered?
It is headquartered in Hopkinsville, KY, United States.
When was United Southern Bank founded?
It was established in 1922, per the FDIC institution directory.
Is United Southern Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9309). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Southern Bank?
United Southern Bank's primary federal regulator is the Federal Reserve.
How many branches does United Southern Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Southern Bank's Texas Ratio?
Its Texas Ratio is 2.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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