What is United Southern Bank's financial health grade?

United Southern Bank has a TFS Financial Health Grade of C- (score: 71.0/100). 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 7 branch locations across the United States.

Is United Southern Bank FDIC insured?

Yes, United Southern Bank is FDIC insured (Certificate #9309).

What are the total assets of United Southern Bank?

United Southern Bank has total assets of $352.2M as reported in its most recent FDIC filing.

United Southern Bank

BankHopkinsville, Kentucky

www.usbky.com

Total Assets

$352.2M

Total Deposits

$302.5M

Branches

Established

1922

TFS Health Grade

C-

71.0 / 100

Average financial health

How we grade

United Southern Bank is a bank headquartered in Hopkinsville, Kentucky, established in 1922. With $352.2M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C- (71.0/100).

Capital & Safety

Tier 1 Capital Ratio

12.09%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.31%

Profitability

Return on Assets (ROA)

1.21%(1%)

Return on Equity (ROE)

11.21%(10%)

Net Interest Margin

4.12%

Efficiency Ratio

60.58%(60%)

Lending & Liquidity

Total Loans

$276.0M

Loan-to-Deposit Ratio

90.25%

Net Charge-Off Ratio

0.05%

Growth

Asset Growth (YoY)

+3.04%

Deposit Growth (YoY)

+1.98%

Net Income

$4.2M

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	1813 E 9th St	Hopkinsville	KY	11
United Southern Bank	111 N Madisonville St	Crofton	KY	11
United Southern Bank	808 S Main St	Elkton	KY	11
United Southern Bank	101 Clinic Dr	Hopkinsville	KY	11
United Southern Bank	4405 Canton Pike	Hopkinsville	KY	11
United Southern Bank	205 W Nashville St	Pembroke	KY	11
United Southern Bank	112 S Main St	Trenton	KY	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.