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United Southern Bank

Hopkinsville, KY · Cert 9309 · Todd Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

47

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

54

Q2 2024Q2 2026peer median

Efficiency

79

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

Hopkinsville, KY · Cert 9309 · Todd Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$353.7MAssets
$281.2MLoans
$308.3MDeposits
$42.8MEquity
Loan mix
87%RE $237.6M9%C&I $25.0M4%Consumer $11.4MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $223.6M27%Noninterest $84.7MQ2 2025Q2 2026

NIM

4.94%Q2 ’245.32%Q2 ’255.73%Q2 ’26+11%+16%

Non-interest income vs. expense

2.49%Q2 ’242.65%Q2 ’252.67%Q2 ’26+22%-1%

Market Position · Clarksville, TN-KY · 2026 SOD (annual) · 3.0% share · #11 of 19 inst. · $0.2B of $6.2B

12.4% Christian
36.8% Todd

Executive Summary

  • Earnings: ROA of 1.46%, up 41 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.37% of loans (-43 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.66%, up 97 bps from a year ago.
  • Funding: loans stand at 91.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.46%+41 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+58 bps YoY

Efficiency Ratio (YTD, annualized)

56.35%-805 bps YoY

Tier 1 Leverage Ratio

12.66%+97 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.14%1.21%1.38%1.46%+41 bps
Return on Equity9.97%10.68%11.21%12.06%12.50%+252 bps
Net Interest Margin3.59%3.73%3.80%4.10%4.17%+58 bps
Efficiency Ratio64.41%62.47%60.58%57.62%56.35%-805 bps
Non-Interest Burden2.12%2.12%2.08%2.13%2.11%-2 bps
Growth
Asset Growth (YoY)4.29%5.13%3.04%2.43%1.07%-322 bps
Loan Growth (YoY)5.33%7.49%9.01%7.81%9.87%+454 bps
Deposit Growth (YoY)7.35%4.77%1.98%1.36%2.11%-525 bps
Asset Quality
Nonperforming Loans / Loans0.81%0.41%0.31%0.37%0.37%-43 bps
Net Charge-Offs / Loans0.00%0.02%0.04%-0.05%-0.01%0 bps
Allowance / Loans1.11%1.08%1.09%1.15%1.19%+8 bps
Allowance Coverage of NPLs1.4x2.6x3.6x3.1x3.2x+1.8x
Capital
Tier 1 Leverage Ratio11.69%12.08%12.09%12.29%12.66%+97 bps
Total Risk-Based Capital11.69%12.08%12.09%12.29%12.66%+97 bps
Equity / Assets10.82%11.20%11.43%11.47%12.09%+127 bps
Liquidity & Funding
Loans / Deposits84.76%88.58%91.25%90.31%91.21%+644 bps
Liquid Assets / Assets6.14%3.74%1.40%3.76%1.29%-485 bps
CRE / Total Capitaln/a180.85%183.34%173.21%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

Hopkinsville, KY · Cert 9309 · Peer group: banks under $1B in assets (n=581-629) · Todd Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$353.7MAssets
$281.2MLoans
$308.3MDeposits
$42.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of banks under $1B in assets (rank 122 of 629).
  • Widest gap: total risk-based capital ratio trails 65% of banks under $1B in assets (rank 408 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.46%

Rank 151 of 629

Net Interest Margin

4.17%

Rank 122 of 629

Efficiency Ratio

56.35%

Rank 133 of 629

Equity / Assets

12.09%

Rank 223 of 629

Non-interest income vs. expense

$2.0M$9.5MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 79% of banks under $1B in assets
Bank 56.35%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.46%0.60%1.01%1.45%Beats 76%151 / 629
Return on Equity12.11%5.38%9.30%13.28%Beats 68%204 / 629
Net Interest Margin4.17%3.03%3.54%4.05%Beats 81%122 / 629
Efficiency Ratio56.35%58.35%67.79%79.08%Beats 79%133 / 629
Asset Quality
Nonperforming Loans / Loans0.37%0.09%0.46%1.20%Beats 54%267 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 47%313 / 581
Capital
Tier 1 Capital Ratio12.66%11.24%13.84%18.77%Beats 40%378 / 629
Total Risk-Based Capital Ratio12.66%11.58%14.43%19.66%Beats 35%408 / 629
Equity / Assets12.09%9.09%10.65%13.80%Beats 65%223 / 629
Liquidity & Funding
Loans / Deposits91.21%67.24%80.90%93.48%71st pctl172 / 594
Loans / Assets79.52%53.31%67.71%78.15%81st pctl122 / 629
Brokered Deposits / Depositsn/aNot reported for this institution