FDIC Cert #15465 · Umatilla, Florida · Est. 1937

United Southern Bank - FDIC Bank Health Profile

A community-scale look at United Southern Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$842M
Total assets
B
Health grade · Good
1.19%
Return on assets
10.4%
Tier 1 capital

Data updated July 2026

The verdict

United Southern Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.38% Tier 1, profitable at 1.19% ROA, 62% efficiency ratio.

#1,210
largest of 4,313 FDIC banks by assets
72nd
percentile by asset size, nationally
10.38%
Tier 1 ratio - above the 10% well-capitalized line
56th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 15465 · FL B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2444/4307
  • PHOTO-FINISH United Valley Bank · ND
  • TIER1-WELL 10.4% Tier 1
  • TEXAS-CLEAN 3.3% Texas
  • ROA-PAR 1.19% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: United Valley Bank, ND (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around United Southern Bank

Lowest and highest poles plus nearest scored peers outside Florida, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Business Bank · WI · n…76/100Horizon Financial Bank · ND …76/100Peoples Savings Bank… · MO ·…76/100United Southern Bank · FL · …76/100United Valley Bank · ND · ne…76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around United Southern Bank · July 2026

Call Report read for United Southern Bank in a high-failure state

United Southern Bank (FDIC Cert #15465) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,444 of 4,307. Tier 1 capital prints at 10.38%, clearing the 10% well-capitalized line. The Texas Ratio is 3.26%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.19%. Balance-sheet scale is $842M, 1,210th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is United Valley Bank (ND), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around United Southern Bank

76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus

United Southern Bank sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about United Southern Bank's current Call Report.

  • FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
  • FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
  • VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Florida banks.

How United Southern Bank's 76/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10076/100
United Southern Bank's composite health score
Tier 1 Capital Ratio (10.38%) 28/40
Return on Assets (ROA) (1.19%) 20/25
Texas Ratio (3.26%) 20/20
Efficiency Ratio (61.66%) 8/15

76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$842M

Total balance-sheet footings

Total Deposits

$771M

Customer-funded liabilities

Net Loans

$433M

Outstanding loan book

Net Income

$10M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.98% 10.38% 11.78%
Basel III capital ratios - United Southern Bank

Where United Southern Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Southern Bank's score of 76/100 falls in the highlighted band.

United Southern Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 43rd percentile higher than 43% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. United Southern Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

United Southern Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). United Southern Bank's $842M falls in the highlighted band.

Capital & credit buffers at United Southern Bank

Tier 1 capital ratio
Well-capitalized 10%

10.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.38%
Texas Ratio
3.26%
Equity Capital
$61M

What these ratios mean →

Earnings posture at United Southern Bank

Return on Assets (ROA)
56th percentile nationally
1.19%
Return on Equity (ROE)
19.69%
Efficiency Ratio
61.66%

What these mean →

Income & expense at United Southern Bank

$36M
Interest Income
$5M
Non-Interest Income
$21M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. United Southern Bank reports a Texas Ratio of 3.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View United Southern Bank on FDIC BankFind →

Top banks in Florida by total assets

Largest banks headquartered in Florida
  1. 1
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  2. 2
    EverBank $46.0B

    Jacksonville, FL · Grade B

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  5. 5
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

Top 5 banks in Florida ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($842M here), outside Florida so the neighborhood is not state containment.

Skowhegan Savings Bank $842M · ME CommerceOne Bank $840M · AL Fortress Bank $839M · IL Wilson & Muir Bank & Trust Company $844M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Southern Bank (FDIC Cert #15465) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

United Southern Bank Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Florida

All Florida banks →
BankAssetsGradeROA
SouthState Bank, National AssociationWinter Haven $67.2B A 1.40%
EverBank, National AssociationJacksonville $46.0B B 0.72%
Raymond James BankSaint Petersburg $43.4B A 1.47%
BankUnited, National AssociationMiami Lakes $35.0B B 0.89%
City National Bank of FloridaMiami $28.0B A 0.96%
Seacoast National BankStuart $20.8B A 0.91%
Amerant Bank, National AssociationCoral Gables $9.8B C 0.64%
Ocean BankMiami $7.4B B 0.92%