United Southern Bank
Umatilla, FL · Cert 15465 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 93 of 755).
- Widest gap: equity / assets trails 90% of banks under $1B in assets operating in a single state (rank 680 of 755).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.23%
Rank 278 of 755
Net Interest Margin
3.52%
Rank 443 of 755
Efficiency Ratio
61.74%
Rank 311 of 755
Equity / Assets
7.61%
Rank 680 of 755
Non-interest income vs. expense
Unfavorable gap of $16.6M · efficiency ratio beats 59% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.72% | 1.06% | 1.45% | Beats 63% | 278 / 755 | |
| Return on Equity | 16.20% | 6.66% | 10.44% | 13.61% | Beats 88% | 93 / 755 | |
| Net Interest Margin | 3.52% | 3.15% | 3.68% | 4.17% | Beats 41% | 443 / 755 | |
| Efficiency Ratio | 61.74% | 55.75% | 64.78% | 75.61% | Beats 59% | 311 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.09% | 0.42% | 1.05% | Beats 49% | 385 / 751 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 48% | 395 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 10.77% | 11.56% | 13.81% | 17.74% | Beats 16% | 632 / 755 | |
| Total Risk-Based Capital Ratio | 10.77% | 11.72% | 14.46% | 18.53% | Beats 15% | 641 / 755 | |
| Equity / Assets | 7.61% | 8.93% | 10.56% | 13.13% | Beats 10% | 680 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 61.09% | 62.43% | 78.62% | 91.00% | 23rd pctl | 582 / 755 | |
| Loans / Assets | 55.73% | 54.70% | 67.27% | 76.55% | 27th pctl | 551 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |