BlastPoint's Banking Scorecard

United Southern Bank

$100M-$1B Specialty: Commercial FL FDIC cert 15465

Umatilla, FL

14 branches across FL

2664 banks in the $100M-$1B peer group nationally 43 in FL

United Southern Bank has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 34.70% above tier average
+ Efficiency Ratio 2.55% below tier average
+ Delinquency Rate 0.37% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 5.7% in tier
- Credit Quality Pressure: Bottom 31.6% in tier
- Credit Risk Growth: Bottom 44.8% in tier
- ROA 0.08% below tier average
- Net Interest Margin 0.10% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$842.8M -3.6% YoY +0.1% QoQ	+$456.8M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	Top 6.2% in tier
Total Loans ?	$443.4M +10.6% YoY +2.4% QoQ	+$187.7M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$771.3M -5.7% YoY +0.0% QoQ	+$443.4M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	Top 3.6% in tier
Return on Assets ?	1.19% +14.9% YoY -0.2% QoQ	-0.08%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	49%
Net Interest Margin ?	3.83% +11.7% YoY +5.4% QoQ	-0.10%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	48%
Efficiency Ratio ?	62.74% -0.8% YoY +1.7% QoQ	-2.55%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	52%
Delinquency Rate ?	0.52% +32.1% YoY -2.4% QoQ	-0.37%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	44%
Loan-to-Deposit Ratio ?	57.49% +17.3% YoY +2.4% QoQ	-19.15%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	84%
Non-Interest-Bearing Deposit Share ?	56.72% +95.3% YoY +0.4% QoQ	+34.70%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	Top 0.9% in tier
Nonperforming Asset Ratio ?	0.27% +51.5% YoY -0.2% QoQ	-0.36%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	53%
Tier 1 Capital Ratio ?	10.62% +12.1% YoY +2.3% QoQ	-5.21%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.18% +18.2% YoY -72.4% QoQ	-0.10%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	81%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Capital Thin

risk

#39 of 666 • Bottom 5.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.62%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#414 of 1308 • Bottom 31.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.52%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#437 of 973 • Bottom 44.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 56.72%

Peer Median: 22.02%

#26 of 2664 Top 0.9% in $100M-$1B

Total Deposits

size

Value: $771.33M

Peer Median: $327.97M

#98 of 2664 Top 3.6% in $100M-$1B

166

Total Assets

size

Value: $842.84M

Peer Median: $386.08M

#166 of 2664 Top 6.2% in $100M-$1B

429

Total Loans

size

Value: $443.42M

Peer Median: $255.72M

#429 of 2664 Top 16.1% in $100M-$1B

432

Loan-to-Deposit Ratio

liquidity

Value: 57.49%

Peer Median: 76.64%

#432 of 2664 Top 16.2% in $100M-$1B

509

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#509 of 2664 Top 19.1% in $100M-$1B

Top Weaknesses (1 metrics)

2189

Tier 1 Capital Ratio

capital

Value: 10.62%

Peer Median: 15.83%

#2189 of 2664 Bottom 17.9% in $100M-$1B