| Metric | United Southern Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +4.9% | -5.6 pts |
| Deposit growth (YoY) | -2.5% | +4.3% | -6.8 pts |
| Loan growth (YoY) | +10.9% | +5.3% | +5.5 pts |
| ROA | 1.23% | 1.28% | -0.0 pts |
| ROE | 16.6% | 12.4% | +4.2 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $843.0M | $769.1M | $460.6M | $64.1M | $5.2M | 1.23% | 3.90% | 0.24% |
| Q1 2026 | $842.8M | $771.3M | $443.4M | $62.2M | $2.5M | 1.19% | 3.83% | 0.27% |
| Q4 2025 | $841.8M | $771.1M | $432.9M | $61.5M | $10.1M | 1.19% | 3.63% | 0.27% |
| Q3 2025 | $834.7M | $768.0M | $422.1M | $57.5M | $7.1M | 1.11% | 3.56% | 0.25% |
| Q2 2025 | $848.6M | $788.7M | $415.5M | $51.0M | $4.7M | 1.09% | 3.49% | 0.19% |
| Q1 2025 | $874.0M | $818.3M | $401.0M | $47.1M | $2.2M | 1.03% | 3.43% | 0.18% |
| Q4 2024 | $852.6M | $779.5M | $392.4M | $39.5M | $7.9M | 0.90% | 3.14% | 0.19% |
| Q3 2024 | $852.8M | $746.1M | $383.5M | $47.7M | $5.3M | 0.81% | 3.06% | 0.20% |
Loan mix (Q2 2026): real estate $446.6M · commercial $10.8M · consumer $6.2M · securities $276.4M
| Ratio | United Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.28% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 16.6% | 12.4% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 61.2% | 52nd |
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.
14 branches in 2 counties across 1 state (+0 vs 2024) · $788.7M branch deposits. Biggest market: Lake, FL, ranked 4th with 7.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lake, FL | 12 | $746.5M | 7.78% | 4th |
| Sumter, FL | 2 | $42.1M | 1.16% | 13th |
Florida: 99th with 0.08% · Orlando-Kissimmee-Sanford metro: 21st, 0.93% · Wildwood-The Villages metro: 13th, 1.16% ·
Branch count: 2022 15 · 2023 14 · 2024 14 · 2025 14