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United Southern Bank

Umatilla, FL · Cert 15465 · Unisouth Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

14

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

59

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

United Southern Bank

Umatilla, FL · Cert 15465 · Unisouth Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

$843.0MAssets
$469.8MLoans
$769.1MDeposits
$64.1MEquity
Loan mix
96%RE $436.1M2%C&I $10.1M1%Consumer $5.8MQ2 2025Q2 2026
Deposit mix
43%Interest-bearing $332.4M57%Noninterest $436.7MQ2 2025Q2 2026

NIM

3.84%Q2 ’244.14%Q2 ’254.18%Q2 ’26+21%+8%

Non-interest income vs. expense

2.29%Q2 ’242.43%Q2 ’252.61%Q2 ’26+5%+6%

Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 1.1% share · #17 of 49 inst. · $0.7B of $68.8B

8.6% Lake
0.7% Sumter

Executive Summary

  • Earnings: ROA of 1.23%, up 14 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.44% of loans (+6 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.77%, up 56 bps from a year ago.
  • Funding: loans stand at 61.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+25 bps YoY

Efficiency Ratio (YTD, annualized)

61.74%-43 bps YoY

Tier 1 Leverage Ratio

10.77%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.11%1.19%1.19%1.23%+14 bps
Return on Equity20.48%19.42%19.69%16.14%16.60%-389 bps
Net Interest Margin3.27%3.38%3.29%3.46%3.52%+25 bps
Efficiency Ratio62.17%61.85%61.66%62.74%61.74%-43 bps
Non-Interest Burden1.79%1.85%1.79%1.92%1.90%+11 bps
Growth
Asset Growth (YoY)-2.01%-2.12%-1.27%-3.56%-0.65%+136 bps
Loan Growth (YoY)8.67%9.79%10.08%10.34%10.61%+194 bps
Deposit Growth (YoY)2.54%2.95%-1.07%-5.74%-2.49%-503 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.49%0.52%0.51%0.44%+6 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.01%0.00%0.02%+4 bps
Allowance / Loans2.18%2.15%2.09%2.04%1.96%-22 bps
Allowance Coverage of NPLs5.8x4.4x4.0x4.0x4.5x-1.3x
Capital
Tier 1 Leverage Ratio10.21%10.61%10.38%10.62%10.77%+56 bps
Total Risk-Based Capital10.21%10.61%10.38%10.62%10.77%+56 bps
Equity / Assets6.00%6.89%7.30%7.38%7.61%+160 bps
Liquidity & Funding
Loans / Deposits53.85%56.16%57.34%58.69%61.09%+723 bps
Liquid Assets / Assets8.78%6.98%7.29%7.58%6.66%-212 bps
CRE / Total Capitaln/a276%276%277%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

United Southern Bank

Umatilla, FL · Cert 15465 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Unisouth Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

$843.0MAssets
$469.8MLoans
$769.1MDeposits
$64.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 88% of banks under $1B in assets operating in a single state (rank 91 of 746).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets operating in a single state (rank 672 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.23%

Rank 277 of 746

Net Interest Margin

3.52%

Rank 442 of 746

Efficiency Ratio

61.74%

Rank 309 of 746

Equity / Assets

7.61%

Rank 672 of 746

Non-interest income vs. expense

$6.1M$22.8MINCOMEEXPENSE
Unfavorable gap of $16.6M · efficiency ratio beats 59% of banks under $1B in assets operating in a single state
Bank 61.74%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%0.72%1.06%1.45%Beats 63%277 / 746
Return on Equity16.20%6.74%10.51%13.63%Beats 88%91 / 746
Net Interest Margin3.52%3.17%3.68%4.16%Beats 41%442 / 746
Efficiency Ratio61.74%55.74%64.58%75.47%Beats 59%309 / 746
Asset Quality
Nonperforming Loans / Loans0.44%0.09%0.42%1.07%Beats 50%377 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 46%402 / 743
Capital
Tier 1 Capital Ratio10.77%11.55%13.75%17.60%Beats 16%623 / 746
Total Risk-Based Capital Ratio10.77%11.71%14.33%18.43%Beats 15%631 / 746
Equity / Assets7.61%8.90%10.51%13.06%Beats 10%672 / 746
Liquidity & Funding
Loans / Deposits61.09%61.31%78.27%90.78%25th pctl563 / 746
Loans / Assets55.73%53.60%66.97%76.08%28th pctl534 / 746
Brokered Deposits / Depositsn/aNot reported for this institution