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United Southern Bank
Umatilla, FL · FDIC Certificate #15465 · Chartered 03/0
Total assets
$843.00M
Total deposits
$769.06M
Total equity
$64.14M
Net loans
$460.59M
Branches (offices)
14
Net income (YTD)
$5.20M
Rank: #1,201 of 4,213 U.S. banks by assets · #35 of 81 in Florida. Assets changed -0.7% and deposits -2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.23% |
| Return on equity | 16.60% |
| Net interest margin (YTD) | 3.90% |
| Equity to assets | 7.61% |
| Tier 1 leverage ratio | 10.77% |
| Uninsured deposits (share of deposits) | 20.3% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 59.9% |
| Real estate loans (share of loans) | 97.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $446.64M | 97.0% | |
| Commercial & industrial | $10.78M | 2.3% | |
| Consumer / individual | $6.21M | 1.3% | |
| Construction & development | $49.84M | 10.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $858.68M | $826.67M | $3.97M | $24.72M |
| Jun 2023 | $896.28M | $784.99M | $4.62M | $27.60M |
| Jun 2024 | $865.95M | $769.17M | $3.50M | $37.64M |
| Jun 2025 | $848.55M | $788.68M | $4.70M | $50.95M |
| Jun 2026 | $843.00M | $769.06M | $5.20M | $64.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $769.06M | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $769.06M.
Similar-sized banks
Fnbc Bank ($843.32M) · Bank Of Sun Prairie ($841.18M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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