BlastPoint's Banking Scorecard

United Southern Bank

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

Umatilla, FL

14 branches across FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
Deposits -2.5% year over year ($769.1M on the books).
Delinquency rate 0.44%.
Return on assets 1.23%.
Efficiency ratio 61.74% vs a 64.48% peer average.
Loan-to-deposit ratio 59.89% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 44 in FL

View $100M-$1B leaderboard (FL) →

United Southern Bank has 3 strengths but faces 6 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 77.97% above tier average
+ Efficiency Ratio 2.74% below tier average
+ Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 19.7% in tier
- Credit Quality Pressure: Bottom 22.8% in tier
- Flatlined Growth: Bottom 41.8% in tier
- Credit Risk Growth: Bottom 46.0% in tier
- ROA 0.09% below tier average
- Net Interest Margin 0.08% below tier average

Get updates when United Southern Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$843.0M -0.7% YoY +0.0% QoQ	+$456.4M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	Top 6.0% in tier
Total Loans ?	$460.6M +10.9% YoY +3.9% QoQ	+$202.2M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	Top 14.8% in tier
Total Deposits ?	$769.1M -2.5% YoY -0.3% QoQ	+$442.3M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	Top 3.5% in tier
Return on Assets ?	1.23% +12.7% YoY +4.1% QoQ	-0.09%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	49%
Net Interest Margin ?	3.90% +11.7% YoY +2.0% QoQ	-0.08%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	48%
Efficiency Ratio ?	61.74% -0.7% YoY -1.6% QoQ	-2.74%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	52%
Delinquency Rate ?	0.44% +15.1% YoY -14.5% QoQ	-0.47%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	49%
Loan-to-Deposit Ratio ?	59.89% +13.7% YoY +4.2% QoQ	-18.06%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	83%
Non-Interest-Bearing Deposit Share ?	100.00% +77.4% YoY +76.3% QoQ	+77.97%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	Top 0.1% in tier
Nonperforming Asset Ratio ?	0.24% +28.4% YoY -11.2% QoQ	-0.43%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	57%
Tier 1 Capital Ratio ?	10.77% +5.5% YoY +1.4% QoQ	-5.14%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.36% +13.5% YoY +105.8% QoQ	-0.20%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	81%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Noninterest-Bearing	100.0% +43.6pp YoY +43.3pp QoQ	+77.9pp	22.1%	27.7%	22.2%	100%
Brokered Deposits	n/a	n/a	7.9%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	2.3% -0.7pp YoY +0.1pp QoQ	-9.2pp	11.6%	12.9%	12.5%	8%
CRE	56.9% +0.5pp YoY -0.9pp QoQ	+17.4pp	39.5%	50.6%	41.4%	81%
1-4 Family	39.5% +1.7pp YoY -0.5pp QoQ	+6.9pp	32.6%	30.7%	31.3%	69%
Consumer	1.3% +0.1pp YoY 0.0pp QoQ	-2.8pp	4.1%	3.7%	5.0%	36%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.8%	19.7%	n/a
Leverage Ratio	10.8% +0.6pp YoY +0.2pp QoQ	-1.4pp	12.2%	13.9%	12.6%	46%
Total Capital Ratio	n/a	n/a	19.9%	21.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	158 +4 (+2.6%) YoY 0 QoQ	+99	58	295	482	98%
Assets per Employee ($)	$5.3M -3.2% YoY 0.0% QoQ	-$2.2M	$7.5M	$10.3M	$8.8M	20%
Branch Count	14 0 YoY 0 QoQ	+9	4	13	18	97%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.4% +0.1pp YoY -0.1pp QoQ	-0.5pp	0.9%	0.7%	1.0%	50%
Allowance Coverage	4.49x -22.1% YoY +12.0% QoQ	-19.66x	24.15x	16.62x	20.23x	68%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	54%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	16.6% -3.9pp YoY +0.5pp QoQ	+4.4pp	12.2%	9.3%	11.6%	76%
Cost of Funds (YTD)	0.7% -0.2pp YoY 0.0pp QoQ	-1.0pp	1.7%	1.8%	1.7%	4%
Net Income ($, YTD)	$5.2M +10.6% YoY — QoQ	+$2.6M	$2.6M	$25.2M	$40.4M	88%

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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 (4)

Capital Thin

risk

#131 of 661 • Bottom 19.7% 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: 10.77%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Credit Quality Pressure

risk

#288 of 1256 • Bottom 22.8% in tier

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

Why this signature

Delinquency Rate: 0.44%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#222 of 529 • Bottom 41.8% in tier

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: 1.23%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Credit Risk Growth

risk

#432 of 936 • Bottom 46.0% in tier

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

936 of 936 Community banks match · 1401 nationally

→ Stable -58 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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 100.00%

Peer Median: 22.03%

#1 of 2643 Top 0.1% in $100M-$1B

Total Deposits

size

Value: $769.06M

Peer Median: $326.73M

#93 of 2643 Top 3.5% in $100M-$1B

159

Total Assets

size

Value: $843.00M

Peer Median: $386.57M

#159 of 2643 Top 6.0% in $100M-$1B

391

Total Loans

size

Value: $460.59M

Peer Median: $258.35M

#391 of 2643 Top 14.8% in $100M-$1B

453

Loan-to-Deposit Ratio

liquidity

Value: 59.89%

Peer Median: 77.95%

#453 of 2643 Top 17.1% in $100M-$1B

500

Non-Interest Income / Assets

revenue_mix

Value: 0.36%

Peer Median: 0.57%

#500 of 2643 Top 18.9% in $100M-$1B

Top Weaknesses (1 metrics)

2116

Tier 1 Capital Ratio

capital

Value: 10.77%

Peer Median: 15.91%

#2116 of 2643 Bottom 20.0% in $100M-$1B