United Southern Bank is a state-chartered bank (fed member) headquartered in Hopkinsville, Kentucky, in business for about 104 years. At the end of Q2 2026 it reported $353.7M in total assets and $308.3M in deposits, with 7 offices.
United Southern Bank has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 21st. Problem-loan coverage contributes the most (95/100, 2.3%); funding & liquidity contributes the least (70/100, 90% loans-to-deposits, 12% uninsured).
TellerScore · Q2 2026
Scorecard
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 10 points (71 → 81), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 73 |
| Q4 2024 | 70 |
| Q1 2025 | 70 |
| Q2 2025 | 71 |
| Q3 2025 | 76 |
| Q4 2025 | 78 |
| Q1 2026 | 79 |
| Q2 2026 | 81 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.32% |
| Q3 2024 | 11.48% |
| Q4 2024 | 11.43% |
| Q1 2025 | 11.58% |
| Q2 2025 | 11.69% |
| Q3 2025 | 12.08% |
| Q4 2025 | 12.09% |
| Q1 2026 | 12.29% |
| Q2 2026 | 12.66% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.27% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.85% |
| Q1 2025 | 0.81% |
| Q2 2025 | 0.81% |
| Q3 2025 | 0.41% |
| Q4 2025 | 0.31% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.37% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.11% |
| Q3 2024 | 1.12% |
| Q4 2024 | 1.10% |
| Q1 2025 | 0.96% |
| Q2 2025 | 1.05% |
| Q3 2025 | 1.14% |
| Q4 2025 | 1.21% |
| Q1 2026 | 1.38% |
| Q2 2026 | 1.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $353.7M | 12.66% | 0.37% | 1.46% | 90.1% |
| Q1 2026 | 79 | $360.3M | 12.29% | 0.37% | 1.38% | 89.3% |
| Q4 2025 | 78 | $352.2M | 12.09% | 0.31% | 1.21% | 90.2% |
| Q3 2025 | 76 | $353.6M | 12.08% | 0.41% | 1.14% | 87.6% |
| Q2 2025 | 71 | $349.9M | 11.69% | 0.81% | 1.05% | 83.8% |
| Q1 2025 | 70 | $351.8M | 11.58% | 0.81% | 0.96% | 84.0% |
| Q4 2024 | 70 | $341.8M | 11.43% | 0.85% | 1.10% | 84.5% |
| Q3 2024 | 73 | $336.3M | 11.48% | 0.62% | 1.12% | 85.4% |
| Q2 2024 | 76 | $335.5M | 11.32% | 0.27% | 1.11% | 85.5% |
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).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st Trust Bank, Inc.Bank Hazard, KY | 64 out of 100, Moderate | $351.7M | 9.6% | 0.15% | vs |
| Citizens Deposit Bank of Arlington, Inc.Bank Arlington, KY | 77 out of 100, Strong | $348.2M | 13.7% | 0.94% | vs |
| The First National Bank of GraysonBank Grayson, KY | 79 out of 100, Strong | $371.9M | 13.0% | 0.96% | vs |
| Kentucky Farmers Bank CorporationBank Catlettsburg, KY | 93 out of 100, Very strong | $328.5M | 15.7% | 0.43% | vs |
| Citizens Bank & Trust CompanyBank Campbellsville, KY | 79 out of 100, Strong | $383.4M | 13.1% | 0.57% | vs |
| First State BankBank Irvington, KY | 70 out of 100, Strong | $402.0M | 11.2% | 1.33% | vs |
Deposit insurance
Is my money safe at United Southern Bank?
Yes. United Southern Bank is an FDIC-insured institution (FDIC certificate #9309). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.4% of deposits ($38.3M) 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 12.66%, 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%).
7 locations
Branches
United Southern Bank lists 7 offices in 5 cities. Most locations:
- Hopkinsville, KY (3)
- Crofton, KY (1)
- Elkton, KY (1)
- Pembroke, KY (1)
- Trenton, KY (1)
Identity & history
Profile
- Legal name
- United Southern Bank
- Former names
- Planters Bank of Todd County
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 9309
- RSSD ID
- 110945
- Primary regulator
- FED
- Holding company
- Todd Bancshares Inc
- Established
- June 22, 1922
- Headquarters
- 1813 E 9th St, Hopkinsville, KY 42240
- Website
- www.usbky.com
- Employees
- 66
Quick answers
United Southern Bank: common questions
Is United Southern Bank FDIC insured?
Yes. United Southern Bank is an FDIC-insured institution (FDIC certificate #9309). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Southern Bank's TellerScore?
81 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 #9309 in the FDIC failed bank list.
How many branches does United Southern Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hopkinsville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Elkton Bank & Trust CompanyBank Elkton, KY | 82 out of 100, Strong | $199.1M | 12.6% | 0.12% | vs |
| Fortera Federal Credit UnionCredit union Clarksville, TN | 78 out of 100, Strong | $946.7M | 12.7% | 0.65% | vs |
| Planters Bank, Inc.Bank Hopkinsville, KY | 77 out of 100, Strong | $2.0B | 12.4% | 0.11% | vs |
| Bank of Cadiz and Trust CompanyBank Cadiz, KY | 74 out of 100, Strong | $142.9M | 9.1% | 0.00% | vs |
| Legends BankBank Clarksville, TN | 71 out of 100, Strong | $927.7M | 10.0% | 0.00% | vs |
| First Federal BankBank Dickson, TN | 71 out of 100, Strong | $1.1B | 10.5% | 0.52% | vs |