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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Florida, the state note

United Southern Bank

Umatilla, Florida · $843M in assets · beside the 11 other Florida banks between $300M and $1B

The filing

7.6%
Equity / assets
12th of 12
61.1%
Loans / deposits
2nd of 12
0.44%
NPA / loans
10th of 12

United Southern Bank is the fourth largest of the 12 Florida banks nearest its size between $300M and $1B, with $843M in assets at 30 June 2026. Loans are 61.1% of deposits, 2nd of 12 against a median of 77.5%, and equity is 7.6% of assets, the lowest in the cohort. Loans grew +10.6% in the year, 5th of 12, and deposits fell 2.5%; the cohort's median loan growth is +6.6%.

Noncurrent loans are 0.44% of the book, 10th of 12 against a median of 0.13%; 1.24% is 30 to 89 days past due, and the allowance covers them 4.5 times. Commercial real estate is 44.8% of loans, 7th of 12 against a median of 43.0%, and 224% of capital, below the 300% screen, with construction at 53% against the 100% screen.

Return on assets is 1.19%, 6th of 12 against a median of 1.12%, on an efficiency ratio of 61.7%, 7th of 12. Five years ago it was 0.70%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Equity as a share of assetsFL banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 9.7% SB Sunstate Bank 12.6% FB Flagship Bank 12.2% AB Axiom Bank National Association 12.2% FB FNBT Bank 11.3% SC Sanibel Captiva Community Bank 9.9% FC Florida Capital Bank N.A. 9.8% FB First Bank 9.6% MC Mainstreet Community Bank of Florida 8.8% TN Terrabank National Association 8.7% SB Sunrise Bank 8.5% AB Anchor Bank 8.3% US United Southern Bank 7.6%
Loans, year over yearFL banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.6% AB Anchor Bank +33.0% MC Mainstreet Community Bank of Florida +19.2% TN Terrabank National Association +16.1% FB Flagship Bank +12.4% US United Southern Bank +10.6% SB Sunrise Bank +7.4% FC Florida Capital Bank N.A. +5.7% FB First Bank +5.5% SB Sunstate Bank +1.9% SC Sanibel Captiva Community Bank -3.9% FB FNBT Bank -7.5% AB Axiom Bank National Association -9.6%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers, United Southern Bank among them; owner-occupied excluded; bold marks a screen met
United Southern BankRankCohort median
Total CRE against capital, the 300% screen224%5th of 12242%
Construction against capital, the 100% screen53%6th of 1253%
Construction and land development, share of loans10.6%10th of 127.3%
Non-owner-occupied nonfarm nonresidential, share of loans30.8%7th of 1229.8%
Total CRE, the guidance definition, share of loans44.8%7th of 1243.0%
CRE growth over 36 months, the third prong+4.8%2nd of 12+41.3%
Commercial real estate against capital, the 300% screenFL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 242% FB FNBT Bank 135% FB First Bank 168% AB Axiom Bank National Association 171% SC Sanibel Captiva Community Bank 197% US United Southern Bank 224% FC Florida Capital Bank N.A. 228% SB Sunstate Bank 257% MC Mainstreet Community Bank of Florida 292% AB Anchor Bank 345% TN Terrabank National Association 372% SB Sunrise Bank 387% FB Flagship Bank 419%
CRE growth over 36 months, the guidance's third prongFL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +41.3% FB FNBT Bank -10.7% US United Southern Bank +4.8% AB Axiom Bank National Association +10.9% SC Sanibel Captiva Community Bank +14.1% SB Sunrise Bank +22.7% TN Terrabank National Association +38.5% SB Sunstate Bank +44.1% FB Flagship Bank +48.4% FB First Bank +51.1% FC Florida Capital Bank N.A. +53.8% MC Mainstreet Community Bank of Florida +72.0% AB Anchor Bank +137.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Sanibel Captiva Community Bank$976M1.9%49.1%0.67%0.17%1.0%103.7%9.9%
Mainstreet Community Bank of Florida$953M1.0%61.9%1.27%-0.01%1.2%84.9%8.8%
Terrabank National Association$898M0.7%73.4%0.11%0.00%1.4%76.5%8.7%
United Southern Bank$843M1.2%61.7%0.44%0.02%2.0%61.1%7.6%
First Bank$811M1.5%56.0%0.31%0.00%1.7%69.0%9.6%
Anchor Bank$806M3.2%33.9%0.15%0.00%0.7%74.5%8.3%
Flagship Bank$803M1.0%60.3%0.02%0.01%1.0%94.0%12.2%
Axiom Bank National Association$732M0.2%112.3%0.06%0.00%0.9%78.5%12.2%
Florida Capital Bank N.A.$713M0.9%74.4%0.16%0.00%1.2%84.5%9.8%
FNBT Bank$629M1.5%60.1%0.00%-0.08%1.5%43.7%11.3%
Sunrise Bank$623M1.3%59.8%0.10%0.00%1.2%92.6%8.5%
Sunstate Bank$580M1.0%72.3%0.00%0.00%0.9%68.0%12.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
United Southern BankCohort median
20212026Change20212026Change
Loans$340M$470M+38%$297M$503M+69%
Deposits$708M$769M+9%$523M$663M+27%
NPA / loans1.01%0.44%-0.57 pts0.16%0.13%-0.03 pts
Efficiency63.0%61.7%-1.3 pts75.5%61.0%-14.4 pts
ROA0.70%1.19%+0.48 pts0.70%1.12%+0.41 pts

This read was prepared for United Southern Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on United Southern Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort FL banks $300M to $1B
Institution www.unitedsouthernbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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