United Southern Bank
Umatilla, FL
IDRSSD: 327435
Total Assets
$842.84M
Latest filing
Total Deposits
$771.33M
Latest filing
Net Interest Margin
3.83%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
063105285UMATILLA, FL
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
United Southern Bank
750 N Central Ave
Umatilla, FL 32784
Full Service - Brick and Mortar
Updated 04/10/2026Established 03/01/1937FDIC Certificate 9773
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| United Southern Bank (Main) | 750 N Central Ave | Umatilla, FL |
| LADY LAKE BRANCH | 224 South Us 27 | Lady Lake, FL |
| TAVARES BRANCH | 1303 N New Hampshire Ave | Tavares, FL |
| ASTOR BRANCH | 24510 State Road 40 | Astor, FL |
| EUSTIS BRANCH | 2701 S Bay St | Eustis, FL |
| LISBON BRANCH | 10021 County Road 44-West | Leesburg, FL |
| LEESBURG BRANCH | 27524 Us Highway 27 | Leesburg, FL |
| MOUNT DORA BRANCH | 19010 Us Highway 441 | Mount Dora, FL |
Showing 7 of 13
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 | 158 |
| 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 | 04/10/2026 |
| CERT | 15465 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $842.84M |
| Total Deposits | $771.33M |
| Total Liabilities | $780.60M |
| Total Equity Capital | $62.24M |
| Net Income | $2.50M |
| Net Loans and Leases | $443.42M |
| Assets Per Employee ($Millions) | $5.33M |
| Bank Premises and Fixed Assets | $10.41M |
| Cash and Balances due from Depository Institutions | $66.16M |
| Deposits Held in Domestic Offices | $771.33M |
Key Performance Ratios
| Return on Assets (ROA) | 1.19% |
| Return on Equity (ROE) | 16.14% |
| Net Interest Margin | 3.83% |
| Efficiency Ratio | 62.74% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.385% |
| Earning Assets to total Assets | 93.56% |
Income and Expense
| Total Interest Income | $8.94M |
| Total Noninterest Income | $1.49M |
| Total Interest Expense | $1.41M |
| Total Noninterest Expense | $5.66M |
| Net Interest Income | $7.53M |
| Pre-tax Net Operating Income | $3.40M |
| Provision for Credit Losses | $-35,000 |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.27M |
| Total Liabilities and Capital | $842.84M |
Securities
| Securities | $286.51M |
| Available-for-sale debt securities | $281.29M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $5.22M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Southern Bank?
$842.84M as of the latest filing.
How much are United Southern Bank's total deposits?
$771.33M in total deposits.
Where is United Southern Bank located?
Umatilla, FL.
What is the Net Interest Margin?
3.83%.
How many domestic offices does it operate?
14.
When was it established?
03/01/1937.
What is the Return on Assets (ROA)?
1.19%.
How much are total loans and leases?
$443.42M (latest filing).
What is the total interest income (latest filing)?
$8.94M.