United Southern Bank
Hopkinsville, KY
IDRSSD: 110945
Total Assets
$352.22M
Latest filing
Total Deposits
$302.48M
Latest filing
Net Interest Margin
4.45%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
United Southern Bank
1813 E 9th St
Hopkinsville, KY 42240
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/22/1922FDIC Certificate 5964
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| United Southern Bank (Main) | 1813 E 9th St | Hopkinsville, KY |
| ELKTON BRANCH | 808 S Main St | Elkton, KY |
| TRENTON BRANCH | 112 S Main St | Trenton, KY |
| CLINIC DRIVE BRANCH | 101 Clinic Dr | Hopkinsville, KY |
| CROFTON BRANCH | 111 N Madisonville St | Crofton, KY |
| CANTON STREET BRANCH | 4405 Canton Pike | Hopkinsville, KY |
| PEMBROKE BRANCH | 205 W Nashville St | Pembroke, KY |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 06/22/1922 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42240 |
| State and County Number | 21047 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Clarksville, TN-KY |
Operational Info
| Number of Employees | 66 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.usbky.com |
| Data Updated | 01/30/2026 |
| CERT | 9309 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $352.22M |
| Total Deposits | $302.48M |
| Total Liabilities | $311.96M |
| Total Equity Capital | $40.26M |
| Net Income | $1.26M |
| Net Loans and Leases | $272.98M |
| Assets Per Employee ($Millions) | $5.34M |
| Bank Premises and Fixed Assets | $5.40M |
| Cash and Balances due from Depository Institutions | $18.13M |
| Deposits Held in Domestic Offices | $302.48M |
Key Performance Ratios
| Return on Assets (ROA) | 1.43% |
| Return on Equity (ROE) | 12.61% |
| Net Interest Margin | 4.45% |
| Efficiency Ratio | 55.45% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.43% |
| Earning Assets to total Assets | 92.22% |
Income and Expense
| Total Interest Income | $5.06M |
| Total Noninterest Income | $492.00k |
| Total Interest Expense | $1.43M |
| Total Noninterest Expense | $2.28M |
| Net Interest Income | $3.63M |
| Pre-tax Net Operating Income | $1.65M |
| Provision for Credit Losses | $190.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $8.51M |
| Federal Funds Sold & Reverse Repurchase Agreement | $276.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $968.00k |
| Total Liabilities and Capital | $352.22M |
Securities
| Securities | $46.65M |
| Available-for-sale debt securities | $46.65M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Southern Bank?
$352.22M as of the latest filing.
How much are United Southern Bank's total deposits?
$302.48M in total deposits.
Where is United Southern Bank located?
Hopkinsville, KY.
What is the Net Interest Margin?
4.45%.
How many domestic offices does it operate?
7.
When was it established?
06/22/1922.
What is the Return on Assets (ROA)?
1.43%.
How much are total loans and leases?
$272.98M (latest filing).
What is the total interest income (latest filing)?
$5.06M.