TellerScore

United Southern Bank is a state-chartered bank headquartered in Umatilla, Florida, in business for about 89 years. At the end of Q2 2026 it reported $843.0M in total assets and $769.1M in deposits, with 14 offices.

United Southern Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 13th. Funding & liquidity contributes the most (94/100, 60% loans-to-deposits, 20% uninsured); capital cushion contributes the least (58/100, 10.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.77%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.44%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity94/100
Loans ÷ deposits and uninsured-deposit share: 59.9% · 20.3% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.79%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (74 → 76), mostly because the capital cushion component improved by 6 points.

TellerScore
677276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202469
Q1 202571
Q2 202574
Q3 202574
Q4 202574
Q1 202675
Q2 202676
Tier 1 leverage ratio
5.00%7.88%10.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.85%
Q3 20249.19%
Q4 20249.15%
Q1 20259.47%
Q2 202510.21%
Q3 202510.61%
Q4 202510.38%
Q1 202610.62%
Q2 202610.77%
Noncurrent loans
0.38%0.45%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.46%
Q3 20240.44%
Q4 20240.40%
Q1 20250.38%
Q2 20250.38%
Q3 20250.49%
Q4 20250.52%
Q1 20260.51%
Q2 20260.44%
Return on assets
0.79%1.01%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.81%
Q4 20240.90%
Q1 20251.03%
Q2 20251.09%
Q3 20251.11%
Q4 20251.19%
Q1 20261.19%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$843.0M10.77%0.44%1.23%59.9%
Q1 202675$842.8M10.62%0.51%1.19%57.5%
Q4 202574$841.8M10.38%0.52%1.19%56.1%
Q3 202574$834.7M10.61%0.49%1.11%55.0%
Q2 202574$848.6M10.21%0.38%1.09%52.7%
Q1 202571$874.0M9.47%0.38%1.03%49.0%
Q4 202469$852.6M9.15%0.40%0.90%50.3%
Q3 202468$852.8M9.19%0.44%0.81%51.4%
Q2 202467$866.0M8.85%0.46%0.79%49.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.77%
46th
Total risk-based capital0.00%
24th
Problem loans0.44%
49th
Net charge-offs0.02%
39th
Return on assets1.23%
49th
Net interest margin3.90%
48th
Efficiency ratio61.7%
52nd
Loans to deposits59.9%
83rd
Uninsured deposits20.3%
63rd
Loan-loss reserves1.96%
93rd
Texas ratio2.8%
49th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
First BankBank Clewiston, FL71 out of 100, Strong$810.5M9.7%0.31%vs
Anchor BankBank Palm Beach Gardens, FL75 out of 100, Strong$805.5M8.8%0.15%vs
Flagship BankBank Clearwater, FL72 out of 100, Strong$802.8M11.7%0.02%vs
Terrabank, National AssociationBank Coral Gables, FL65 out of 100, Moderate$897.7M9.8%0.11%vs
Mainstreet Community Bank of FloridaBank Deland, FL56 out of 100, Moderate$953.4M9.4%1.27%vs
Axiom Bank, National AssociationBank Maitland, FL67 out of 100, Moderate$732.4M11.7%0.06%vs

Deposit insurance

Is my money safe at United Southern Bank?

Yes. United Southern Bank is an FDIC-insured institution (FDIC certificate #15465). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.3% of deposits ($156.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.77%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

United Southern Bank lists 12 offices in 9 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
United Southern Bank
Former names
Umatilla State Bank
Type
State-chartered bank
FDIC certificate #
15465
RSSD ID
327435
Primary regulator
FDIC
Holding company
Unisouth Inc
Established
March 1, 1937
Headquarters
750 N Central Ave, Umatilla, FL 32784
Employees
158

Quick answers

United Southern Bank: common questions

Is United Southern Bank FDIC insured?

Yes. United Southern Bank is an FDIC-insured institution (FDIC certificate #15465). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is United Southern Bank's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has United Southern Bank ever failed?

There is no failure record for FDIC certificate #15465 in the FDIC failed bank list.

How many branches does United Southern Bank have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Umatilla

InstitutionScoreAssetsCapitalProblem loansCompare
Community Credit UnionCredit union New Rockford, ND95 out of 100, Very strong$171.6M17.7%0.22%vs
Surety BankBank Deland, FL90 out of 100, Very strong$213.7M13.2%0.22%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
The First National Bank of Mount DoraBank Mount Dora, FL77 out of 100, Strong$358.0M12.3%0.41%vs
Campus USA Credit UnionCredit union Gainesville, FL76 out of 100, Strong$4.0B12.3%0.38%vs
Florida Credit UnionCredit union Gainesville, FL75 out of 100, Strong$2.8B12.7%0.80%vs