United Southern Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Total interest expense rose 5.2% from Q1 2026 to Q2 2026, ending at $1.5M against $1.4M. It was the largest change among the key lines on this page. Within Florida, United Southern Bank is 34th of 79 on net interest margin, 3.76% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. United Southern Bank sits 0.19 points lower, at 3.76% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.47% |
| Yield on loans | 6.52% |
| Yield on securities | 1.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.60% |
| Cost of interest-bearing deposits | 1.78% |
| Cost of interest-bearing liabilities | 1.78% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 2.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.5M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.76% | 0.91% | 2.79% | 5.90% | 1.81% |
| Q4 2023 | 4.00% | 0.92% | 2.89% | 6.33% | 1.82% |
| Q1 2024 | 3.88% | 0.82% | 2.70% | 5.96% | 1.82% |
| Q2 2024 | 3.99% | 1.04% | 2.88% | 6.13% | 1.78% |
| Q3 2024 | 4.09% | 1.22% | 2.95% | 6.30% | 1.74% |
| Q4 2024 | 4.11% | 0.84% | 3.06% | 6.26% | 1.73% |
| Q1 2025 | 4.08% | 0.70% | 3.19% | 6.20% | 1.72% |
| Q2 2025 | 4.16% | 0.79% | 3.32% | 6.27% | 1.72% |
| Q3 2025 | 4.29% | 0.70% | 3.46% | 6.42% | 1.72% |
| Q4 2025 | 4.39% | 0.53% | 3.63% | 6.57% | 1.71% |
| Q1 2026 | 4.30% | 0.57% | 3.63% | 6.32% | 1.73% |
| Q2 2026 | 4.47% | 0.60% | 3.76% | 6.52% | 1.72% |
United Southern Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Southern Bank, freeSource: Call Report Schedules RI and RC-K, 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 15465) · FFIEC NIC profile (RSSD 327435)