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 Umatilla, FL against its peer group of 2672 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 | 1.24% | 1.35% | -0.11% | 48th below |
| ROAE | 17.09% | 12.05% | +5.04% | 76th top |
| Net Interest Margin | 3.76% | 3.90% | -0.14% | 40th below |
| Efficiency Ratio | 60.55% | 63.15% | -2.60% | 52nd above |
| PPNR / Avg Assets | 1.69% | 1.64% | +0.05% | 56th above |
| Yield on Earning Assets | 4.47% | 5.65% | -1.18% | 8th bottom |
| Cost of Funds | 0.60% | 1.85% | -1.25% | 98th top |
| Net Interest Spread | 2.69% | 3.35% | -0.66% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.74% | 0.92% | -0.18% | 36th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.41% | 0.67% | -0.26% | 43rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.15% | -0.11% | 27th below |
| ACL / Total Loans | 1.96% | 1.28% | +0.68% | 93rd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 265.90% | 1645.73% | -1379.83% | 56th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.71% | 7.15% | -2.44% | 43rd below |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.77% | 12.46% | -1.69% | 46th below |
| Equity / Assets | 7.61% | 11.67% | -4.06% | 10th bottom |
| TCE / Tangible Assets | 7.61% | 11.40% | -3.79% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.09% | 78.65% | -17.56% | 82nd top |
| Core Deposit Ratio | 99.75% | 87.09% | +12.66% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.65% | 6.48% | -7.13% | 16th bottom |
| Loan Growth (Y/Y) | 10.61% | 7.64% | +2.97% | 76th top |
| Deposit Growth (Y/Y) | -2.49% | 6.03% | -8.52% | 12th bottom |
See United Southern Bank's peers by name
The 2672 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.