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United Southern Bank
Hopkinsville, KY · FDIC Certificate #9309 · Chartered 06/2
Total assets
$353.66M
Total deposits
$308.33M
Total equity
$42.77M
Net loans
$277.89M
Branches (offices)
7
Net income (YTD)
$2.59M
Rank: #2,239 of 4,213 U.S. banks by assets · #55 of 120 in Kentucky. Assets changed 1.1% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.46% |
| Return on equity | 12.50% |
| Net interest margin (YTD) | 4.52% |
| Equity to assets | 12.09% |
| Tier 1 leverage ratio | 12.66% |
| Uninsured deposits (share of deposits) | 12.4% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 90.1% |
| Real estate loans (share of loans) | 86.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $238.88M | 86.0% | |
| Commercial & industrial | $25.95M | 9.3% | |
| Consumer / individual | $11.35M | 4.1% | |
| Construction & development | $17.28M | 6.2% | |
| Agricultural | $3.36M | 1.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $289.38M | $258.11M | $1.31M | $27.62M |
| Jun 2023 | $312.53M | $258.94M | $1.72M | $29.88M |
| Jun 2024 | $335.53M | $281.30M | $1.83M | $33.45M |
| Jun 2025 | $349.93M | $301.98M | $1.82M | $37.87M |
| Jun 2026 | $353.66M | $308.33M | $2.59M | $42.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $308.34M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $308.34M.
Similar-sized banks
Citizens Bank Of Ada ($353.71M) · First State Bank Of Texas ($353.63M)
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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