# UNITED SOUTHERN BANK
UMATILLA, FL · FDIC certificate 15465 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $843.0M | |
| Deposits | $769.1M | |
| Loans and leases | $469.8M | |
| Total equity | $64.1M | |
| Loans / deposits | 59.89% (p13 of band) | 82.04% |
| Liquid assets / assets | 39.76% (p82 of band) | |
| Uninsured deposits / deposits | 20.33% (p30 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.77% (p49 of band) | 10.81% |
| Unrealized securities loss / equity | -62.65% (p2 of band) | -8.10% |
| AOCI / equity | -0.72% (p32 of band) | |
| ROA (annualized) | 1.23% (p48 of band) | 1.28% |
| Net interest margin | 3.90% (p50 of band) | 3.91% |
| Efficiency ratio | 61.74% (p51 of band) | |
| Noncurrent loans | 0.44% (p51 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p57 of band) | |
| Reserve coverage of noncurrent | 449.27% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 77.69% (p76 of band) | |
| Auto loans | $817,000 (0.17% of loans; DQ 0.86%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.5% | |
| Employees | 158 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 2 | uninsured deposits leaving | construction >100% equity |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 2 | capital falling | uninsured deposits leaving |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 2 | noncurrent p90 |  |
| 2013-12 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2014-03 | 2 | noncurrent p90 | capital falling, charge-offs p90 |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | uninsured deposits leaving |  |
| 2018-03 | 2 |  | uninsured deposits leaving |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | reserve under noncurrent |
| 2018-12 | 0 |  | noncurrent p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity | capital falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 5 | AOCI drag >20% of equity |  |
| 2023-12 | 2 |  | deposits shrinking, uninsured deposits leaving, AOCI drag >20% of equity |
| 2024-03 | 3 | assets shrinking |  |
| 2024-06 | 2 |  | assets shrinking |
| 2024-09 | 1 |  | construction >100% equity |
| 2024-12 | 3 | construction >100% equity, assets shrinking |  |
| 2025-03 | 1 |  | construction >100% equity, assets shrinking |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | deposits shrinking |  |
| 2026-06 | 1 |  | deposits shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-01-05 [United Southern Bank (FL) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQR29IcUxrcTh2WkVaRnZKVkY3aWxzSFhDaG0xNHpLMlhGb3FiOUdhZ1E4Q0pFNUhCS0FCcFRoVlJGNVE3ZTZmVG8ySVpteWRaTDAtMGk5dEgzeHVXelpaTlVVNWFNZWhkSHlNWHRQMkxsWkgzaXpSdUt3TUJ3OXpHOHN4ejZGSFA2?oc=5) · SmartAsset
- 2020-04-24 [United Southern Bank approves $36.4 million in small-business loans - lakeandsumterstyle.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxPU1lCSDJyZ1l2MzM0bGJSbGxfOU9SQzJ6OXREZEcxeGRrOE1PdmlKamkxVDBCYmFKRDQzVUFBM0pSTnBCSHd5UjhRYnJ0MTJ3dGwwcHBpeVpDVGxGVGdqanZza0lXRm5sVVRTSkJvX21RcTluX3JfZFVSeDc5N0JJQkJEZ1hOYWZaU1pGcFhBUEhGcDBRMnpLZkZGZ2tPVk0?oc=5) · lakeandsumterstyle.com
- 2015-03-12 [Jeannette Williams joins United Southern Bank - The Leaf Chronicle | Clarksville, TN](https://news.google.com/rss/articles/CBMivAFBVV95cUxNNmg0UjNxNno0R2piMjRsVmNFZWxkUDZQRmtFSnk1NmEwTHZFOUxkcXJSMGNMTWsxQ2x2MEphTTVrbVNadzBjMGRZa0V6RDFjbnZvVDBuNkdDUDhOUFRyUlhqTlF4dzNTU3NsZjFlcWRJdExpaGNnWGswR3hNeklMcmkyUHpta0t2ZDJSYmRDUWFiNWVQVm5Ic2I1T2h5MkpOekxqS3ZPVGlfZGNuLW9aS0VYeXZQcVBwR25xdA?oc=5) · The Leaf Chronicle | Clarksville, TN
- 2015-02-06 [Teller left paralyzed in 1999 Mount Dora bank robbery dies - Orlando Sentinel](https://news.google.com/rss/articles/CBMipAFBVV95cUxOVTNPZVE5bFhqbGVRNVNoeW5Ia2xjNDg1VFFoOEJ4clA2b0lnY2w4LVBtcHBFcTJTZ3RoUUVibW9oNFRnSFFhYTg1TVVtWXZQT0FLVmozMjRIaVo2VGhhZU1SMm44Um9xLVJQMG1hYUs0OHh0Mzd0eUd6ZU9QaXFGend6V0tLYm5uSGppTGF5NHBoM0ZyRnRFNmowX3pQTVpJNUxtUw?oc=5) · Orlando Sentinel
- 2017-03-17 [Death row inmate avoids additional murder charges - Daily Commercial](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQa3JlWU9Yb2ZJS2tSWFlnVkF2azVoSk5YMmRHOXNZMWpxQjZKZmpQRlRZMnE0VHJ3bEVYUUtoMXI3bTdEUUhVMGVpRlBpdTRBeDlkUW9yXzc2VTQteTVrZVlQbkJLMURLYUpBLWFDeVRuek0zZEVrMUNPLUJVTXh0NEFleWM1UjJnTm5ScFcweThveGJRT2FSbUMzdVNORzZNYW5jMnF2Mm9qOEFLeHREWlMxclYycm53U1YxSDJWQXJqbTFuSTR0Y2hFclBMUUpTUnJIX1VaQTRjekI0dUhHdEwyaVF1bUR1?oc=5) · Daily Commercial
- 2014-10-01 [Cynthia VanGelder Obituary - Visitation & Funeral Information - Beyers Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTE1lSWM2RzdTc1NBQkdEMkZ0MlVwWEdkNTlQdmFmWWdac2N1TlR5NjRwMzlpN3AyUUtjRmt0MGlvelZWdnVMTFR0UFVkemJQdmxNZGNTRzhRSnJvelVIeWNFOEwyeWVoSEpWcFBVX1JuWldUSHM?oc=5) · Beyers Funeral Home
- 2025-05-30 [Janice Taylor Obituary - Eustis, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNSkNaYkphaG9UQ2NJdVFqR3ZTUVM2NmNKTlpXWmpBTVFJcEpNZ2VBMlNrak1rNXBPRUZha2ZUM0hUU1FEc1Q0YUw3OXZ3RHlEMk9sWTlaZ1BqRDN5MjJBaENuM3BEb1BpZk1oMXBSM1lObkpMblVtLUpQSGptODNVdQ?oc=5) · Dignity Memorial
- 2015-02-09 [Funeral set for teller shot during 1999 bank robber - Orlando Sentinel](https://news.google.com/rss/articles/CBMimwFBVV95cUxQMFVULWo3QWRLdVpvZTMwVHRCbVYxcGYwcHhRSmFua0FERXNRWTlNRUJSSmZKZjNLVmd4bjVsTmdWZVRBMTJiZXp1Vl9aZEdnbmJ4NVRTdUF2LXpReTZaTDFDSG9DamNERVB6SE4wR0pyZDJuOWZkZ3RmN01mMW1BbTFJM05zT0g5SHhxNnRmVnpRakdZYnVkOWtoSQ?oc=5) · Orlando Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15465 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "15465", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide