# UNITED SOUTHERN BANK
HOPKINSVILLE, KY · FDIC certificate 9309 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $353.7M | |
| Deposits | $308.3M | |
| Loans and leases | $281.2M | |
| Total equity | $42.8M | |
| Loans / deposits | 90.13% (p71 of band) | 82.04% |
| Liquid assets / assets | 17.45% (p23 of band) | |
| Uninsured deposits / deposits | 12.42% (p7 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.34% (p28 of band) | |
| FHLB advances / assets | 0.34% | |
| Tier 1 leverage | 12.66% (p76 of band) | 10.81% |
| Unrealized securities loss / equity | -7.33% (p52 of band) | -8.10% |
| AOCI / equity | -0.24% (p56 of band) | |
| ROA (annualized) | 1.46% (p62 of band) | 1.28% |
| Net interest margin | 4.52% (p84 of band) | 3.91% |
| Efficiency ratio | 56.35% (p34 of band) | |
| Noncurrent loans | 0.37% (p47 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 316.83% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 40.39% (p47 of band) | |
| Auto loans | $3.9M (1.39% of loans; DQ 0.95%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 66 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-03-12 [United Southern Bank launches Brandon Oldham Memorial Scholarship for CCPS student athletes - WHOP Radio – Hopkinsville, KY](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPa29lV0F6alFQekpOY25ybmFrdmNCOFJ1MW9hLXBCUzlqWjR4cDhxM1R0dlR4ZnNuSW1DejQwcDFNdVBYOWNJbUVqUGhWeHY0MTJUTGRNTzA1T0lqTTJ1Tmg2OElTdHNPZWFuNVhWZ3ZNbEZYS3NBeUpwdVJJcElKeElsZFA3OUlxWnREQTE5LXlGcF9sdEVXUHFOeTdXWllwaWQ0Q2tJekw5aFJUWWM5Um1KMjFBVDJvemhWdTFLY3E?oc=5) · WHOP Radio – Hopkinsville, KY
- 2026-03-30 [Hopkinsville man who died in accident memorialized with scholarship - Christian County Now](https://news.google.com/rss/articles/CBMitAFBVV95cUxQZFJyXzhoMjBGNkRVNHk1eEVVaTR3ZzdFdlY1eWpaU2UwNUtpbmhUNTk4cGRESXBqQ2h1RlNHVXhVUTBfN2NaejAxS2ZHMHZpdENqc2NEZEFMZThZVHhHMmZaTlFzLWRIQzJ1U0F0ZDkwMXlnbmdDc3FjSkdjWjIwQ1N5UmdVd2tfdmtGYVhEMHBndzFwQS11ZmJIcFBxeHYtWkV1NThXSENXWmZqeUFIMVRFS3o?oc=5) · Christian County Now
- 2026-03-27 [United Southern Bank invites student athletes to apply to the Brandon Oldham Memorial Scholarship - WHOP Radio – Hopkinsville, KY](https://news.google.com/rss/articles/CBMixwFBVV95cUxOYWRYWFA2SEpRblBCTXE0Yks3cGZhUnRrMHJmd0VyVHJxRXd6WkpuWUx3ZUdPX3hDT3o4MkVlOG94NEV0Q2lhMFdjbGlFX18wZldmc29VZmQ4ZEIydWEwSGR6NUVyTy1NaXo4UFBDdkdUdzJRSVBXX3dSMHh6alRpN0g5ZzFYemlyenVfTjBadzZSNktWcnVvUk5lNUNRX3loYUFaQkFFRXZ6aE02U0dCMG9GaWJpTlVDNUUyNTJ2Ym1CZFlscjdR?oc=5) · WHOP Radio – Hopkinsville, KY
- 2016-03-03 [Hopkinsville’s United Southern Bank appoints Billy Bingham as New President and CEO - Clarksville Online](https://news.google.com/rss/articles/CBMivgFBVV95cUxQbjBCUzMtYkdMUUNzZmxKb2JoUWtZenZLdUNGTmtoTUo0VnlMWU5FaElYY1pSRERKclU4U0FkUWk3OTRNcm93YllpblJzZmJSYjByZ196UVpOZEdOTGRycDh3bkRqOWVqUDdIU09GSTNXQVJDRUM5N0dxNjVjdFRjNEZpbk5yYkNxYnlSaHRhR0EyS2htcjBNcjBrRlRpdzFQWlBZR3hlU1NVbDVEYURaUUFTV1p3ZXpaWWpUYnZn?oc=5) · Clarksville Online
- 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
- 2026-03-15 [Scholarship Introduced In Memory Of Brandon Oldham - WKDZ](https://news.google.com/rss/articles/CBMirwFBVV95cUxOUFVDYmcyYkxrZU9hdUtJWWNjTjVHRkl0cXkwRGxZalFWQkdSeDhGWW5odkpOQ3k4cEFhWU5uT01XZUVDdXdLd0FVTjRBa2JEOEtjLUFOSDNjM2dnUEJvaFBFY3RjdUx4eVE0eENUR2RMZHZfckxzSnhwR3NMa3hscnBnNjl1bFhmV3A5RWtXTEU2Z293OXFjaWMtVHUwMDl6MklXdUNWWjEyejF5OGlr?oc=5) · WKDZ
- 1983-04-23 [BANK COLLAPSE JOLTS TENNESSEE (Published 1983) - The New York Times](https://news.google.com/rss/articles/CBMihAFBVV95cUxOT2VhdFpWUUpfYl9SVV9aakM0OElHVXJOQjVMcVl4NXk0YTNLQXRHSW5WSlJ0LVhBaXdmaHduVEZXYndEMUFpOF9EODY2QVl5Q2J4TFJSTGh4MkpvMFM4SWhBUzN5aF9HMzNuT2MwcEFnQ3FXdzJKaVRMbHFoNldkeUlNMjM?oc=5) · The New York Times
- 2025-09-28 [Community grieves after Hopkinsville man dies in overnight motorcycle accident - Christian County Now](https://news.google.com/rss/articles/CBMivwFBVV95cUxQc1RjM3h4ZkpEWHg1QUVOMFg2MmlJclhIRFVvZjV5VUlOOHE3eGNlMmtfaHJnYUcxR0cyblIyTHdHYm1rTE9ia1g4R0NwdkR2RXBQV2hsb2JPS3pmMFkxVHhnY3pSTVUwZmd0QktJQzN0ZTlMMWtlUk04cEstVlZxNFFBXzd0Y08zRVU5UU1pUEIzaG15Z1E5LVFzbGpqRFQzQnZTUXdGT1JadTRzODE5TFpiZXdiYUE0Y091VDBoWQ?oc=5) · Christian County Now

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9309 (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/29.json (key "9309", 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