Total Assets
$842M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
United Southern Bank — FDIC Bank Health Profile
Umatilla, Florida · Est. 1937. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #15465 Atlanta Region
F
Health grade
At Risk
Score: 28/100
Basel III capital ratios — United Southern Bank
Total Deposits
$771M
Customer-funded liabilities
Net Loans
$433M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$61M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.19%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
19.69%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
61.66%
Income & Expense Breakdown
$36M
Interest Income
$5M
Non-Interest Income
$21M
Non-Interest Expense
FDIC Deposit Insurance
United Southern Bank is FDIC-insured (Certificate #15465). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About United Southern Bank
United Southern Bank is an FDIC-insured institution (Certificate #15465) headquartered in Umatilla, Florida, established in 1937. The bank currently holds $842M in total assets and $771M in customer deposits, with $433M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, United Southern Bank reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $61M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.19% and a Return on Equity of 19.69%, with an Efficiency Ratio of 61.66% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (28/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at United Southern Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Florida by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data United Southern Bank (FDIC Cert #15465) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National Association Winter Haven | $67.2B | B | 1.40% |
| EverBank, National Association Jacksonville | $46.0B | C | 0.72% |
| Raymond James Bank Saint Petersburg | $43.4B | B | 1.47% |
| BankUnited, National Association Miami Lakes | $35.0B | C | 0.89% |
| City National Bank of Florida Miami | $28.0B | C | 0.96% |
| Seacoast National Bank Stuart | $20.8B | C | 0.91% |
| Amerant Bank, National Association Coral Gables | $9.8B | C | 0.64% |
| Ocean Bank Miami | $7.4B | C | 0.92% |
Frequently Asked Questions
What is United Southern Bank's health grade? ▼
United Southern Bank receives a health grade of F (28/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is United Southern Bank? ▼
United Southern Bank holds $842M in total assets and $771M in deposits. It is headquartered in Umatilla, Florida.
Is my money safe at United Southern Bank? ▼
Yes. United Southern Bank is FDIC-insured (Certificate #15465). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is United Southern Bank's Tier 1 Capital Ratio? ▼
United Southern Bank has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is United Southern Bank? ▼
United Southern Bank has an Efficiency Ratio of 61.66%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.