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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 $11.4MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $223.6M27%Noninterest $84.7MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.10%0.96%1.05%1.14%1.21%1.38%1.46%+41 bps
Return on Equity11.14%10.93%9.26%9.97%10.68%11.21%12.06%12.50%+252 bps
Net Interest Margin3.26%3.27%3.52%3.59%3.73%3.80%4.10%4.17%+58 bps
Efficiency Ratio62.57%63.26%66.90%64.41%62.47%60.58%57.62%56.35%-805 bps
Non-Interest Burden1.78%1.83%2.18%2.12%2.12%2.08%2.13%2.11%-2 bps
Growth
Asset Growth (YoY)6.77%6.28%6.02%4.29%5.13%3.04%2.43%1.07%-322 bps
Loan Growth (YoY)8.35%7.35%9.57%5.33%7.49%9.01%7.81%9.87%+454 bps
Deposit Growth (YoY)11.65%10.11%9.68%7.35%4.77%1.98%1.36%2.11%-525 bps
Asset Quality
Nonperforming Loans / Loans0.62%0.85%0.81%0.81%0.41%0.31%0.37%0.37%-43 bps
Net Charge-Offs / Loans0.01%0.02%0.01%0.00%0.02%0.04%-0.05%-0.01%0 bps
Allowance / Loans1.06%1.04%1.05%1.11%1.08%1.09%1.15%1.19%+8 bps
Allowance Coverage of NPLs1.7x1.2x1.3x1.4x2.6x3.6x3.1x3.2x+1.8x
Capital
Tier 1 Leverage Ratio11.48%11.43%11.58%11.69%12.08%12.09%12.29%12.66%+97 bps
Total Risk-Based Capital11.48%11.43%11.58%11.69%12.08%12.09%12.29%12.66%+97 bps
Equity / Assets10.60%10.28%10.38%10.82%11.20%11.43%11.47%12.09%+127 bps
Liquidity & Funding
Loans / Deposits86.34%85.36%84.91%84.76%88.58%91.25%90.31%91.21%+644 bps
Liquid Assets / Assets3.72%4.42%5.51%6.14%3.74%1.40%3.76%1.29%-485 bps
CRE / Total Capitaln/an/an/an/a180.85%183.34%173.21%n/an/a