United Southern Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Southern Bank of Hopkinsville, KY against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.53% | 1.34% | +0.19% | 64th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.94% | 13.32% | -0.38% | 54th above |
| Net Interest Margin | 4.47% | 3.93% | +0.54% | 78th top |
| Efficiency Ratio | 54.88% | 61.13% | -6.25% | 69th above |
| PPNR / Avg Assets | 2.16% | 1.68% | +0.48% | 79th top |
| Yield on Earning Assets | 6.10% | 5.67% | +0.43% | 73rd above |
| Cost of Funds | 1.76% | 1.88% | -0.12% | 53rd above |
| Net Interest Spread | 3.66% | 3.32% | +0.34% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.94% | -0.55% | 51st above |
| NPA / Total Assets | 0.31% | 0.70% | -0.39% | 50th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 30th below |
| ACL / Total Loans | 1.19% | 1.28% | -0.09% | 48th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 305.22% | 1546.58% | -1241.36% | 60th above |
| Texas Ratio | 2.37% | 7.34% | -4.97% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.66% | 12.14% | +0.52% | 72nd above |
| Equity / Assets | 12.09% | 11.36% | +0.73% | 72nd above |
| TCE / Tangible Assets | 12.09% | 11.08% | +1.01% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.21% | 80.66% | +10.55% | 26th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.29% | 86.85% | +0.44% | 40th below |
| Wholesale Funding Ratio | 0.34% | 5.04% | -4.70% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.07% | 6.84% | -5.77% | 26th below |
| Loan Growth (Y/Y) | 9.87% | 7.92% | +1.95% | 73rd above |
| Deposit Growth (Y/Y) | 2.11% | 6.29% | -4.18% | 36th below |
See United Southern Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Southern Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full United Southern Bank profile, how to read a UBPR, or how this data updates.