United Southern Bank
Umatilla, FL
IDRSSD: 327435
Total Assets
$834.73M
Latest filing
Total Deposits
$768.03M
Latest filing
Net Interest Margin
3.68%
Profitability
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/01/1937 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 32784 |
| State and County Number | 12069 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Orlando-Kissimmee-Sanford, FL |
Operational Info
| Number of Employees | 154 |
| Domestic Offices | 14 |
| 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 | 03/01/1937 |
| Primary Insurance Agency | DIF |
| Website | www.unitedsouthernbank.com |
| Data Updated | 11/14/2025 |
| CERT | 15465 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $834.73M |
| Total Deposits | $768.03M |
| Total Liabilities | $777.25M |
| Total Equity Capital | $57.48M |
| Net Income | $2.41M |
| Net Loans and Leases | $422.08M |
| Assets Per Employee ($Millions) | $5.28M |
| Bank Premises and Fixed Assets | $10.13M |
| Cash and Balances due from Depository Institutions | $60.08M |
| Deposits Held in Domestic Offices | $768.03M |
Key Performance Ratios
| Return on Assets (ROA) | 1.14% |
| Return on Equity (ROE) | 17.75% |
| Net Interest Margin | 3.68% |
| Efficiency Ratio | 61.22% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.886% |
| Earning Assets to total Assets | 93.43% |
Income and Expense
| Total Interest Income | $8.96M |
| Total Noninterest Income | $1.27M |
| Total Interest Expense | $1.73M |
| Total Noninterest Expense | $5.20M |
| Net Interest Income | $7.23M |
| Pre-tax Net Operating Income | $3.27M |
| Provision for Credit Losses | $22.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.23M |
| Total Liabilities and Capital | $834.73M |
Securities
| Securities | $305.43M |
| Available-for-sale debt securities | $299.61M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $5.83M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Southern Bank?
$834.73M as of the latest filing.
How much are United Southern Bank's total deposits?
$768.03M in total deposits.
Where is United Southern Bank located?
Umatilla, FL.
What is the Net Interest Margin?
3.68%.
How many domestic offices does it operate?
14.
When was it established?
03/01/1937.
What is the Return on Assets (ROA)?
1.14%.
How much are total loans and leases?
$422.08M (latest filing).
What is the total interest income (latest filing)?
$8.96M.