BlastPoint's Banking Scorecard

United Southern Bank

$100M-$1B Specialty: Commercial KY FDIC cert 9309

Hopkinsville, KY

7 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

United Southern Bank demonstrates 4 strengths

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

+ ROA 0.11% above tier average
+ Net Interest Margin 0.50% above tier average
+ Efficiency Ratio 7.67% below tier average
+ Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$360.3M +2.4% YoY +2.3% QoQ	-$25.8M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$276.0M +7.7% YoY +1.1% QoQ	+$20.3M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	64%
Total Deposits ?	$309.2M +1.4% YoY +2.2% QoQ	-$18.8M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	56%
Return on Assets ?	1.38% +44.4% YoY +13.8% QoQ	+0.11%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	61%
Net Interest Margin ?	4.43% +17.8% YoY +7.4% QoQ	+0.50%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	57.62% -13.9% YoY -4.9% QoQ	-7.67%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	67%
Delinquency Rate ?	0.38% -53.8% YoY +21.5% QoQ	-0.51%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	89.27% +6.2% YoY -1.1% QoQ	+12.63%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	28.58% +7.4% YoY +3.3% QoQ	+6.56%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	0.29% -51.5% YoY +20.1% QoQ	-0.35%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	51%
Tier 1 Capital Ratio ?	12.29% +6.1% YoY +1.7% QoQ	-3.54%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.14% +4.0% YoY -75.6% QoQ	-0.14%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	69%

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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 (0)

No matched concern signatures this quarter

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 (2 metrics)

552

Net Interest Margin

profitability

Value: 4.43%

Peer Median: 3.93%

#552 of 2664 Top 20.7% in $100M-$1B

581

Non-Interest-Bearing Deposit Share

funding

Value: 28.58%

Peer Median: 22.02%

#581 of 2664 Top 21.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available