Side-by-side · Q2 2026 data
United Southern Bank vs Mainstreet Community Bank of Florida
Metric by metric
| Measure | United Southern Bank | Mainstreet Community Bank of Florida |
|---|---|---|
| TellerScore | 76 (stronger) | 56 |
| Capital cushion | 58 (stronger) | 44 |
| Loan quality | 85 (stronger) | 58 |
| Earnings | 69 (stronger) | 63 |
| Funding & liquidity | 94 (stronger) | 53 |
| Problem-loan coverage | 94 (stronger) | 74 |
| Peer percentile | 64th | 13th |
| Total assets | $843.0M | $953.4M |
| Deposits / shares | $769.1M | $863.2M |
| Capital ratio | 10.77% (stronger) | 9.45% |
| Problem loans | 0.44% (stronger) | 1.27% |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 1.23% (stronger) | 1.06% |
| Loans ÷ deposits | 59.9% (stronger) | 83.8% |
| Uninsured deposits | 20.3% (stronger) | 35.6% |
| Offices | 12 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.6% |
United Southern Bank has the higher TellerScore (76 vs 56). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 6 and Mainstreet Community Bank of Florida on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.