Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Umatilla, FL · FDIC certificate #15465
UNITED SOUTHERN BANK is an FDIC-insured institution based in Umatilla, FL (FDIC certificate #15465). In its Q3 2026 Call Report it reported total assets of $821M, total deposits of $751M and net loans of $475M. Its primary federal regulator is FDIC.
Plain-language readout
UNITED SOUTHERN BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $843M in Q2 2026 and were lowest at $821M in Q3 2026.
Total deposits were highest at $771M in Q1 2026 and lowest at $751M in Q3 2026.
Over the whole period total assets fell 2.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $821M | $751M | $475M | 1.32% | 17.81% | 4.02% |
| Q2 2026 | $843M | $769M | $461M | 1.23% | 16.60% | 3.90% |
| Q1 2026 | $843M | $771M | $443M | 1.19% | 16.14% | 3.83% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $58.8M | $66.2M | -$7.4M | -11.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $276.4M | $286.5M | -$10.1M | -3.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $460.6M | $443.4M | +$17.2M | +3.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $10.3M | $10.4M | -$71K | -0.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $36.9M | $36.3M | +$539K | +1.5% |
| Total assets | $843.0M | $842.8M | +$164K | +0.0% |
| Liabilities | ||||
| Total deposits | $769.1M | $771.3M | -$2.3M | -0.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $9.8M | $9.3M | +$527K | +5.7% |
| Total liabilities | $778.9M | $780.6M | -$1.7M | -0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $2.1M | $2.1M | $0K | 0.0% |
| Retained earnings | $91.0M | $89.4M | +$1.6M | +1.8% |
| Accumulated other comprehensive income | -$29.9M | -$30.2M | +$289K | +1.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $64.1M | $62.2M | +$1.9M | +3.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.0M | $2.3M | -$258K | -11.2% |
| Adjusted nonperforming assets | $2.0M | $2.3M | -$258K | -11.2% |
| Tangible equity plus allowance | $73.3M | $71.5M | +$1.9M | +2.6% |
| Texas ratio (gross) | 2.79% | 3.22% | -0.43 pts | See points |
| Texas ratio (adjusted) | 2.79% | 3.22% | -0.43 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.71% | 3.77% | +0.94 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.77% | 10.62% | +0.15 pts | See points |
| Construction and land loans to total capital | 48.27% | 46.33% | +1.93 pts | See points |
| Commercial real estate to total capital | 204.06% | 203.13% | +0.93 pts | See points |
| Dividend payout, year to date | 39.55% | 38.78% | +0.77 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -42.73% | -43.89% | +1.16 pts | See points |
| Liquidity | ||||
| Core deposits | $767.1M | $769.4M | -$2.3M | -0.3% |
| Non-core funding | $1.9M | $1.9M | +$3K | +0.2% |
| Loans to core deposits | 61.24% | 58.83% | +2.41 pts | See points |
| Loans to deposits | 61.09% | 58.69% | +2.40 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 50.61% | 52.37% | -1.75 pts | See points |
| Loans pledged, share of loans | 51.10% | 53.15% | -2.04 pts | See points |
| Volatile liabilities | $1.9M | $1.9M | +$3K | +0.2% |
| Earnings | ||||
| Earnings before provision, year to date | $7.1M | $3.4M | +$3.7M | +109.8% |
| Earnings before provision, single quarter | $3.7M | $3.4M | +$331K | +9.8% |
| Provision for credit losses, year to date | -$16K | -$35K | +$19K | +54.3% |
| Yield and cost | ||||
| Yield on loans and leases | 6.52% | 6.32% | +0.20 pts | See points |
| Yield on interest-bearing balances due from banks | 3.42% | 3.40% | +0.02 pts | See points |
| Total interest income to average assets | 4.27% | 4.11% | +0.16 pts | See points |
| Cost of interest-bearing transaction accounts | 0.95% | 0.86% | +0.08 pts | See points |
| Cost of savings and money market deposits | 1.20% | 1.14% | +0.06 pts | See points |
| Cost of time deposits | 0.35% | 0.42% | -0.07 pts | See points |
| Total interest expense to average assets | 0.68% | 0.65% | +0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $821M | $751M | $475M | 1.32% | 17.81% | 4.02% |
| 2026-06-30 | $843M | $769M | $461M | 1.23% | 16.60% | 3.90% |
| 2026-03-31 | $843M | $771M | $443M | 1.19% | 16.14% | 3.83% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| FL | $788.7M | 0.09% | 71 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.