United Southern Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.82 percentage points higher than in Q1 2026, at 305.22%. Within Kentucky, United Southern Bank is 46th of 119 on return on assets, 1.53% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. United Southern Bank sits 0.28 points higher, at 1.53% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.66% |
| Equity capital to assets | 12.09% |
| Tangible equity to tangible assets | 12.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 2.37% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 305.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.53% |
| Return on equity | 12.94% |
| Net interest margin | 4.47% |
| Efficiency ratio | 54.88% |
| Yield on earning assets | 6.10% |
| Cost of funds | 1.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.21% |
| Core deposits to total deposits | 87.29% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.18% |
| Securities to assets | 12.38% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.27% | 1.06% | 3.38% | 0.50% | 0.05% |
| Q4 2023 | 11.45% | 1.26% | 3.88% | 0.30% | -0.02% |
| Q1 2024 | 11.30% | 0.88% | 3.39% | 0.20% | -0.03% |
| Q2 2024 | 11.32% | 1.35% | 3.42% | 0.30% | 0.02% |
| Q3 2024 | 11.48% | 1.13% | 3.54% | 0.65% | 0.02% |
| Q4 2024 | 11.43% | 1.05% | 3.66% | 0.88% | 0.07% |
| Q1 2025 | 11.58% | 0.96% | 3.71% | 0.83% | 0.01% |
| Q2 2025 | 11.69% | 1.13% | 3.90% | 0.83% | -0.01% |
| Q3 2025 | 12.08% | 1.34% | 4.19% | 0.43% | 0.06% |
| Q4 2025 | 12.09% | 1.43% | 4.35% | 0.32% | 0.13% |
| Q1 2026 | 12.29% | 1.38% | 4.34% | 0.39% | -0.05% |
| Q2 2026 | 12.66% | 1.53% | 4.47% | 0.39% | 0.03% |
United Southern Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Southern Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9309) · FFIEC NIC profile (RSSD 110945)