United Southern Bank (Umatilla, FL)
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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 Umatilla, FL, established in 1937 (FDIC certificate 15465), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $843.0M, down 0.7% from Q2 2025, the 35th largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.77% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15465
- Headquarters
- Umatilla, FL
- Established
- 1937
- Total assets, Q2 2026
- $843.0M
- Assets vs Q2 2025
- -0.7%
- Tier 1 leverage ratio, Q2 2026
- 10.77%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 063105285
- Latest call report
- Q2 2026, FFIEC 051 · United Southern Bank call report
- Holding company
- UNISOUTH, INC.
- Asset rank in state
- 35th of 81 in Florida
United Southern Bank, based in Umatilla, Florida, reported $843 million in assets at June 30, 2026. It pays an average of 0.60% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also lost 2.5% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Loans and deposits moved in opposite directions: over the year loans rose 10.6% and deposits fell 2.5%. Paper losses on its bond portfolio are shrinking: unrealized losses of $40 million equal 43% of Tier 1 capital, down from 56% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.0 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, United Southern Bank reported a return on assets of 1.24%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 2.79%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, United Southern Bank is the 35th largest of the 81 banks headquartered in Florida. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 3.8% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 38.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 30.8%. Its 14 offices in the FDIC Summary of Deposits are in 10 cities in FL; its Leesburg 4 offices book 30% of its branch deposits. By the capital ratios in its Q2 2026 call report, United Southern Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 750 N Central Ave, Umatilla, FL 32784
- County
- Lake
- Metro Area
- Orlando-Kissimmee-Sanford, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 1, 1937
- Former names
- Umatilla State Bank (1973-1986)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 158
- Domestic deposits
- $769.1M
- Allowance for credit losses
- $9.2M
- Net charge-offs (YTD)
- $48K
- Average total assets
- $873.6M
- Average total loans
- $459.6M
- Average interest-bearing deposits
- $550.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 1, 1937
- FDIC Cert
- 15465
- Fed RSSD
- 327435
- Website
- www.unitedsouthernbank.com →
- Parent Holding Company
- UNISOUTH, INC. (RSSD 1141601)
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
From Q3 2023 to Q2 2026, United Southern Bank's total assets ranged from $834.7M (Q3 2025) to $907.3M (Q4 2023), 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
$843.0M total assets against $848.6M; $778.9M total liabilities against $797.6M.
$460.6M net loans and leases against $415.5M; $769.1M total deposits against $788.7M.
$276.4M securities against $309.6M; $58.8M cash and balances due against $75.2M.
$9.3M total interest income against $8.9M; $1.5M total interest expense against $1.8M.
$7.8M net interest income against $7.1M.
$1.6M total noninterest income against $1.4M; $5.7M total noninterest expense against $5.2M.
$19K provision for credit losses against -$53K.
$2.7M net income against $2.5M.
1.24% return on assets against 1.15%; 3.76% net interest margin against 3.32%.
10.77% tier 1 leverage ratio against 10.21%.
Inside the full United Southern Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
United Southern Bank rankings
Its closest position to the top of a national ranking is 1,193 of 4,196, for total assets; its furthest is 1,918 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.81% (Q3 2024) to 1.37% (Q4 2025) and its net interest margin ran from 2.95% (Q3 2024) to 3.76% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.77% | 1.24% | 0.44% | 2.79% | 3.76% |
| Q1 2026 | 10.62% | 1.15% | 0.51% | 3.22% | 3.63% |
| Q4 2025 | 10.38% | 1.37% | 0.52% | 3.26% | 3.63% |
| Q3 2025 | 10.61% | 1.15% | 0.49% | 3.14% | 3.46% |
| Q2 2025 | 10.21% | 1.15% | 0.38% | 2.66% | 3.32% |
| Q1 2025 | 9.47% | 0.98% | 0.38% | 2.80% | 3.19% |
| Q4 2024 | 9.15% | 1.10% | 0.40% | 3.26% | 3.06% |
| Q3 2024 | 9.19% | 0.81% | 0.44% | 3.02% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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) | Umatilla , FL | 32784 | $135.7M |
| Eustis Branch | Eustis , FL | 32726 | $115.0M |
| Leesburg Branch | Leesburg , FL | 34748 | $100.3M |
| Downtown Leesburg Office | Leesburg , FL | 34748 | $92.0M |
| Tavares Branch | Tavares , FL | 32778 | $65.0M |
| Mount Dora Branch | Mount Dora , FL | 32757 | $64.7M |
| Lady Lake Branch | Lady Lake , FL | 32159 | $50.3M |
| Clermont Branch | Clermont , FL | 34711 | $34.8M |
| Astor Branch | Astor , FL | 32102 | $32.3M |
| Lisbon Branch | Leesburg , FL | 34788 | $29.2M |
| Wildwood Branch | Wildwood , FL | 34785 | $18.7M |
| Villages Office | Lady Lake , FL | 32159 | $18.2M |
| Lake Port Square Branch | Leesburg , FL | 34748 | $7.2M |
| Lakeview Terrace Office | Altoona , FL | 32702 | $5.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 73 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 $843.0 million in its FFIEC call report.
Where is United Southern Bank headquartered?
It is headquartered in Umatilla, FL, United States.
When was United Southern Bank founded?
It was established in 1937, per the FDIC institution directory.
Is United Southern Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15465). 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 FDIC.
How many branches does United Southern Bank operate?
It operates 14 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 2.79% 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.
What was United Southern Bank previously called?
The charter now named United Southern Bank has also operated as Umatilla State Bank (1973-1986), per FDIC structure-change records.
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