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
Unfavorable gap of $7.5M · efficiency ratio beats 79% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.60% | 1.01% | 1.45% | Beats 76% | 151 / 629 | |
| Return on Equity | 12.11% | 5.38% | 9.30% | 13.28% | Beats 68% | 204 / 629 | |
| Net Interest Margin | 4.17% | 3.03% | 3.54% | 4.05% | Beats 81% | 122 / 629 | |
| Efficiency Ratio | 56.35% | 58.35% | 67.79% | 79.08% | Beats 79% | 133 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.09% | 0.46% | 1.20% | Beats 54% | 267 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 47% | 313 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.66% | 11.24% | 13.84% | 18.77% | Beats 40% | 378 / 629 | |
| Total Risk-Based Capital Ratio | 12.66% | 11.58% | 14.43% | 19.66% | Beats 35% | 408 / 629 | |
| Equity / Assets | 12.09% | 9.09% | 10.65% | 13.80% | Beats 65% | 223 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 91.21% | 67.24% | 80.90% | 93.48% | 71st pctl | 172 / 594 | |
| Loans / Assets | 79.52% | 53.31% | 67.71% | 78.15% | 81st pctl | 122 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |