What is United Southern Bank's financial health grade?

United Southern Bank has a TFS Financial Health Grade of D (score: 64.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does United Southern Bank have?

United Southern Bank has 14 branch locations across the United States.

Is United Southern Bank FDIC insured?

Yes, United Southern Bank is FDIC insured (Certificate #15465).

What are the total assets of United Southern Bank?

United Southern Bank has total assets of $841.8M as reported in its most recent FDIC filing.

United Southern Bank

BankUmatilla, Florida

www.unitedsouthernbank.com

Total Assets

$841.8M

Total Deposits

$771.1M

Branches

Established

1937

TFS Health Grade

64.0 / 100

Below average financial health

How we grade

United Southern Bank is a bank headquartered in Umatilla, Florida, established in 1937. With $841.8M in total assets and 14 branch locations, it has a TFS Financial Health Grade of D (64.0/100).

Capital & Safety

Tier 1 Capital Ratio

10.38%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.52%

Profitability

Return on Assets (ROA)

1.19%(1%)

Return on Equity (ROE)

19.69%(10%)

Net Interest Margin

3.63%

Efficiency Ratio

61.66%(60%)

Lending & Liquidity

Total Loans

$442.1M

Loan-to-Deposit Ratio

56.14%

Net Charge-Off Ratio

-0.01%

Growth

Asset Growth (YoY)

-1.27%

Deposit Growth (YoY)

-1.07%

Net Income

$10.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
United Southern BankHQ	750 N Central Ave	Umatilla	FL	11
United Southern Bank	331 Raintree Dr	Altoona	FL	29
United Southern Bank	24510 State Road 40	Astor	FL	11
United Southern Bank	1510 East Service Road 50	Clermont	FL	11
United Southern Bank	2701 S Bay St	Eustis	FL	11
United Southern Bank	13609 N Us Highway 441	Lady Lake	FL	11
United Southern Bank	224 South Us 27	Lady Lake	FL	11
United Southern Bank	27524 Us Highway 27	Leesburg	FL	11
United Southern Bank	10021 County Road 44-West	Leesburg	FL	11
United Southern Bank	515 W Main St	Leesburg	FL	11
United Southern Bank	900 Lake Port Square Boulevard	Leesburg	FL	29
United Southern Bank	19010 Us Highway 441	Mount Dora	FL	11
United Southern Bank	1303 N New Hampshire Ave	Tavares	FL	11
United Southern Bank	1017 Us Highway 301	Wildwood	FL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.