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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