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
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.72% | 1.06% | 1.45% | Beats 63% | 277 / 746 | | |
| Return on Equity | 16.20% | 6.74% | 10.51% | 13.63% | Beats 88% | 91 / 746 | | |
| Net Interest Margin | 3.52% | 3.17% | 3.68% | 4.16% | Beats 41% | 442 / 746 | | |
| Efficiency Ratio | 61.74% | 55.74% | 64.58% | 75.47% | Beats 59% | 309 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.09% | 0.42% | 1.07% | Beats 50% | 377 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 46% | 402 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.77% | 11.55% | 13.75% | 17.60% | Beats 16% | 623 / 746 | | |
| Total Risk-Based Capital Ratio | 10.77% | 11.71% | 14.33% | 18.43% | Beats 15% | 631 / 746 | | |
| Equity / Assets | 7.61% | 8.90% | 10.51% | 13.06% | Beats 10% | 672 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.09% | 61.31% | 78.27% | 90.78% | 25th pctl | 563 / 746 | | |
| Loans / Assets | 55.73% | 53.60% | 66.97% | 76.08% | 28th pctl | 534 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |