BlastPoint's Banking Scorecard
United Southern Bank
Community
Specialty: Commercial
FL
FDIC cert 15465
Umatilla, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
United Southern Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 26.92% below tier
- + Non-Interest-Bearing Deposit Share 35.44% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 5% in Community
- - Capital Thin: Bottom 10% in Community
- - Flatlined Growth: Bottom 32% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$841.8M
-1.3% YoY
+0.8% QoQ
|
-$549.7M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$432.9M
+10.3% YoY
+2.6% QoQ
|
-$542.6M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$771.1M
-1.1% YoY
+0.4% QoQ
|
-$393.5M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
1.19%
+31.9% YoY
+6.9% QoQ
|
+0.02% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
3.63%
+15.5% YoY
+2.1% QoQ
|
-0.04% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
61.66%
-8.4% YoY
-0.3% QoQ
|
-0.97% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.53%
+31.4% YoY
+7.3% QoQ
|
-0.10% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
56.14%
+11.5% YoY
+2.1% QoQ
|
-26.92% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
56.48%
-43.5% YoY
+1.8% QoQ
|
+35.44% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.27%
+46.8% YoY
+9.1% QoQ
|
-0.22% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.64%
+1.6% YoY
+34.1% QoQ
|
-0.10% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 6%
in Community
Why this stands out
Current:
56.14%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Community
Why this stands out
Current:
56.48%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (3)
Deposit Outflow
decline
#14 of 248 · Bottom 5% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Capital Thin
risk
#42 of 432 · Bottom 10% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
Flatlined Growth
risk
#79 of 245 · Bottom 32% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.19%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 56.48% · Tier avg: 21.05%
94
94th pctile
Loan-to-Deposit Ratio
Current: 56.14% · Tier avg: 83.06%
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
55
55th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
52
52th pctile
Efficiency Ratio
Current: 61.66% · Tier avg: 62.63%
49
49th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.66%
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.63%
44
44th pctile
Total Deposits
Current: $771.1M · Tier avg: $1.2B
38
38th pctile
Total Assets
Current: $841.8M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Total Loans
Current: $432.9M · Tier avg: $975.5M
Top Weaknesses
20
20th pctile
Total Loans
Current: $432.9M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Total Assets
Current: $841.8M · Tier avg: $1.4B
44
44th pctile
Total Deposits
Current: $771.1M · Tier avg: $1.2B
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.63%
49
49th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.66%
52
52th pctile
Efficiency Ratio
Current: 61.66% · Tier avg: 62.63%
55
55th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
94
94th pctile
Loan-to-Deposit Ratio
Current: 56.14% · Tier avg: 83.06%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 56.48% · Tier avg: 21.05%