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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hopkinsville, KY · FDIC certificate #9309
UNITED SOUTHERN BANK is an FDIC-insured institution based in Hopkinsville, KY (FDIC certificate #9309). In its Q3 2026 Call Report it reported total assets of $357M, total deposits of $311M and net loans of $278M. Its primary federal regulator is FED.
Plain-language readout
UNITED SOUTHERN BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $360M in Q1 2026 and were lowest at $354M in Q2 2026.
Total deposits were highest at $311M in Q3 2026 and lowest at $308M in Q2 2026.
Over the whole period total assets fell 1.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $357M | $311M | $278M | 1.48% | 12.59% | 4.57% |
| Q2 2026 | $354M | $308M | $278M | 1.46% | 12.50% | 4.52% |
| Q1 2026 | $360M | $309M | $276M | 1.38% | 12.06% | 4.43% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $17.6M | $24.5M | -$6.9M | -28.0% |
| Federal funds sold | $276K | $275K | +$1K | +0.4% |
| 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) | $43.8M | $45.2M | -$1.4M | -3.1% |
| 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) | $277.9M | $276.0M | +$1.9M | +0.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.3M | $5.4M | -$117K | -2.2% |
| 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 | $8.8M | $8.9M | -$131K | -1.5% |
| Total assets | $353.7M | $360.3M | -$6.6M | -1.8% |
| Liabilities | ||||
| Total deposits | $308.3M | $309.2M | -$826K | -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 | $1.2M | $8.3M | -$7.1M | -85.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.5M | -$112K | -7.6% |
| Total liabilities | $310.9M | $319.0M | -$8.1M | -2.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $128K | $125K | +$3K | +2.4% |
| Surplus | $13.9M | $13.9M | -$2K | -0.0% |
| Retained earnings | $31.1M | $29.8M | +$1.4M | +4.6% |
| Accumulated other comprehensive income | -$2.4M | -$2.4M | +$86K | +3.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $42.8M | $41.3M | +$1.4M | +3.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.1M | $1.0M | +$14K | +1.3% |
| Adjusted nonperforming assets | $1.1M | $1.0M | +$14K | +1.3% |
| Tangible equity plus allowance | $46.1M | $44.5M | +$1.6M | +3.5% |
| Texas ratio (gross) | 2.28% | 2.33% | -0.05 pts | See points |
| Texas ratio (adjusted) | 2.28% | 2.33% | -0.05 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.37% | 2.42% | -0.05 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) | 12.66% | 12.29% | +0.37 pts | See points |
| Construction and land loans to total capital | 35.65% | 36.57% | -0.91 pts | See points |
| Commercial real estate to total capital | 92.68% | 94.10% | -1.42 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.95% | -7.43% | +0.48 pts | See points |
| Liquidity | ||||
| Core deposits | $269.2M | $266.9M | +$2.2M | +0.8% |
| Non-core funding | $40.4M | $50.6M | -$10.2M | -20.2% |
| Loans to core deposits | 104.48% | 104.59% | -0.11 pts | See points |
| Loans to deposits | 91.21% | 90.31% | +0.90 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 48.12% | 45.02% | +3.10 pts | See points |
| Loans pledged, share of loans | 42.44% | 42.42% | +0.02 pts | See points |
| Volatile liabilities | $58.6M | $70.1M | -$11.4M | -16.3% |
| Earnings | ||||
| Earnings before provision, year to date | $3.7M | $1.8M | +$1.9M | +109.9% |
| Earnings before provision, single quarter | $1.9M | $1.8M | +$173K | +9.9% |
| Provision for credit losses, year to date | $300K | $150K | +$150K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.79% | 6.65% | +0.14 pts | See points |
| Yield on interest-bearing balances due from banks | 3.34% | 3.30% | +0.05 pts | See points |
| Total interest income to average assets | 5.80% | 5.66% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 0.96% | 0.85% | +0.12 pts | See points |
| Cost of savings and money market deposits | 0.22% | 0.21% | +0.02 pts | See points |
| Cost of time deposits | 3.68% | 3.71% | -0.03 pts | See points |
| Total interest expense to average assets | 1.55% | 1.56% | -0.01 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 | $357M | $311M | $278M | 1.48% | 12.59% | 4.57% |
| 2026-06-30 | $354M | $308M | $278M | 1.46% | 12.50% | 4.52% |
| 2026-03-31 | $360M | $309M | $276M | 1.38% | 12.06% | 4.43% |
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 |
|---|---|---|---|---|
| KY | $302M | 0.25% | 71 | Continuing · +0.01 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.