| Metric | United Southern Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.3 pts |
| Deposit growth (YoY) | +2.1% | +4.0% | -1.8 pts |
| Loan growth (YoY) | +9.8% | +5.6% | +4.2 pts |
| ROA | 1.46% | 1.24% | +0.2 pts |
| ROE | 12.5% | 11.9% | +0.6 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $353.7M | $308.3M | $277.9M | $42.8M | $2.6M | 1.46% | 4.52% | 0.30% |
| Q1 2026 | $360.3M | $309.2M | $276.0M | $41.3M | $1.2M | 1.38% | 4.43% | 0.29% |
| Q4 2025 | $352.2M | $302.5M | $273.0M | $40.3M | $4.2M | 1.21% | 4.12% | 0.24% |
| Q3 2025 | $353.6M | $304.0M | $266.4M | $39.6M | $3.0M | 1.14% | 4.01% | 0.31% |
| Q2 2025 | $349.9M | $302.0M | $253.1M | $37.9M | $1.8M | 1.05% | 3.89% | 0.59% |
| Q1 2025 | $351.8M | $305.0M | $256.3M | $36.5M | $829K | 0.96% | 3.76% | 0.59% |
| Q4 2024 | $341.8M | $296.6M | $250.5M | $35.1M | $3.7M | 1.10% | 3.61% | 0.63% |
| Q3 2024 | $336.3M | $290.2M | $247.9M | $35.6M | $2.8M | 1.12% | 3.55% | 0.46% |
Loan mix (Q2 2026): real estate $238.9M · commercial $25.9M · consumer $11.3M · securities $43.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | United Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.9% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 62.9% | 30th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | United Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | United Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | United Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | United Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | United Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
7 branches in 2 counties across 1 state (-1 vs 2024) · $302.0M branch deposits. Biggest market: Christian, KY, ranked 5th with 8.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Christian, KY | 5 | $182.6M | 8.35% | 5th |
| Todd, KY | 2 | $119.4M | 37.40% | 2nd |
Kentucky: 83rd with 0.22% · Clarksville metro: 13th, 2.40% ·
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 7