BlastPoint's Banking Scorecard
United Southern Bank
Hopkinsville, KY
7 branches across KY
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 88 in KY.
- Deposits +2.1% year over year ($308.3M on the books).
- Delinquency rate 0.38%.
- Return on assets 1.46%.
- Efficiency ratio 56.35% vs a 64.48% peer average.
- Loan-to-deposit ratio 90.13% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
United Southern Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.14% above tier average
- + Net Interest Margin 0.54% above tier average
- + Efficiency Ratio 8.12% below tier average
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 39.2% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$353.7M
+1.1% YoY
-1.8% QoQ
|
-$32.9M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
55% |
| Total Loans ? |
$277.9M
+9.8% YoY
+0.7% QoQ
|
+$19.5M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$308.3M
+2.1% YoY
-0.3% QoQ
|
-$18.4M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
56% |
| Return on Assets ? |
1.46%
+39.3% YoY
+5.5% QoQ
|
+0.14% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
63% |
| Net Interest Margin ? |
4.52%
+16.3% YoY
+2.1% QoQ
|
+0.54% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
81% |
| Efficiency Ratio ? |
56.35%
-12.5% YoY
-2.2% QoQ
|
-8.12% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
0.38%
-53.6% YoY
+0.7% QoQ
|
-0.54% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
90.13%
+7.5% YoY
+1.0% QoQ
|
+12.17% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
27.47%
-0.7% YoY
-3.9% QoQ
|
+5.44% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.30%
-49.5% YoY
+3.3% QoQ
|
-0.37% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
12.66%
+8.3% YoY
+3.0% QoQ
|
-3.25% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.28%
+7.5% YoY
+109.6% QoQ
|
-0.28% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
70% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.5%
-0.2pp YoY -1.1pp QoQ |
+5.3pp | 22.1% | 23.5% | 22.2% | 74% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.3%
+0.7pp YoY +0.3pp QoQ |
-2.2pp | 11.6% | 8.6% | 12.5% | 48% |
| CRE |
26.9%
-0.8pp YoY -0.5pp QoQ |
-12.6pp | 39.5% | 37.1% | 41.4% | 29% |
| 1-4 Family |
43.3%
+2.7pp YoY +0.7pp QoQ |
+10.7pp | 32.6% | 41.6% | 31.3% | 75% |
| Consumer |
4.1%
-0.8pp YoY 0.0pp QoQ |
0.0pp | 4.1% | 4.8% | 5.0% | 71% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.2% | 19.7% | n/a |
| Leverage Ratio |
12.7%
+1.0pp YoY +0.4pp QoQ |
+0.5pp | 12.2% | 14.0% | 12.6% | 72% |
| Total Capital Ratio | n/a | n/a | 19.9% | 21.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
66
0 YoY 0 QoQ |
+7 | 58 | 105 | 482 | 68% |
| Assets per Employee ($) |
$5.4M
+1.1% YoY -1.8% QoQ |
-$2.2M | $7.5M | $6.3M | $8.8M | 20% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 8 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.4pp YoY 0.0pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 45% |
| Allowance Coverage |
3.17x
+130.4% YoY +2.6% QoQ |
-20.99x | 24.15x | 7.45x | 20.23x | 60% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 16% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.5%
+2.5pp YoY +0.4pp QoQ |
+0.3pp | 12.2% | 13.3% | 11.6% | 52% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.7% | 1.7% | 49% |
| Net Income ($, YTD) |
$2.6M
+42.3% YoY — QoQ |
+$35K | $2.6M | $5.1M | $40.4M | 63% |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.