United Southern Bank

750 North Central Avenue
Umatilla, FL 32784

Notable Rates APY Vs.Others
Savings 0.20% 2.20% →
1-Year CD 0.40% 2.20% →
2-Year CD 0.60% 2.20% →
5-Year CD 0.90% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

United Southern Bank is an FDIC insured institution located in Umatilla, FL. It was founded in 1937 and has approximately $0.53 billion in assets. Customers can open an account at one of its 13 branches.

FDIC Insured Yes
FDIC Certificate # 15465
Date Established 1937
Assets $0.53 billion
Loans $0.30 billion
Deposits $0.47 billion
Capital $0.05 billion

For a more detailed analysis of United Southern Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 18, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $5,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
0.16% $1,000 $99,999 Learn MoreShow Less
0.26% $1,000 $99,999 Learn MoreShow Less
0.40% $1,000 $99,999 Learn MoreShow Less
0.45% $1,000 $99,999 Learn MoreShow Less
0.60% $1,000 $99,999 Learn MoreShow Less
0.60% $1,000 $99,999 Learn MoreShow Less
0.76% $1,000 $99,999 Learn MoreShow Less
0.86% $1,000 $99,999 Learn MoreShow Less
0.90% $1,000 $99,999 Learn MoreShow Less

Fixed IRA
0.45% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.45% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - February 18, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for United Southern Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.375% 3.375% 0.00 ($122) $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to United Southern Bank
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Financial Details

United Southern Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United Southern Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
United Southern Bank U.S. Bank Average
6.6% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, United Southern Bank had $3,644,000 in non-current loans and $356,000 in owned real estate. To cover these potential losses it had $53,697,000 in equity and $6,877,000 in loans loss reserves. That gives it a Texas Ratio of 6.6%.

Return on Equity
United Southern Bank U.S. Bank Average
10.48% 9.72%

United Southern Bank has a Return on Equity of 10.48% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

United Southern Bank U.S. Bank Average
10.07% 12.89%

United Southern Bank has a Capitalization of 10.07% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

United Southern Bank Balance Sheet Analysis

As of September 30, 2019, United Southern Bank had assets of $533,396,000, loans of $302,632,000, and deposits of $473,488,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.03 billion
Total securities $0.16 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.30 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.48 billion
Total deposits $0.47 billion
      Interest-bearing deposits $0.32 billion
      Deposits held in domestic offices $0.47 billion
      % insured (estimated) 83.33%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.48 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

The top three loan types in United Southern Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Florida, United Southern Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 31.14
Credit Card Loans 0.00
Consumer Auto Loans 0.39
Small Business Loans 0.00
Construction and Development Loans 13.53
Commercial Real Estate 46.12
Commercial and Industrial Loans 4.50
Farm Loans 0.00

Frequently Asked Questions About United Southern Bank

Branches and Savings

Is United Southern Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15465.

Why does United Southern Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are United Southern Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is United Southern Bank a commercial bank?


Where are United Southern Bank locations?

See branch locations nearby.

Is United Southern Bank open on Saturdays?

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Are United Southern Bank ATMs Open 24/7?

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Do United Southern Bank branches have notaries?

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Will the United Southern Bank branch print checks?

Do United Southern Bank checks expire?

Does United Southern Bank require US citizenship to open account?

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Does United Southern Bank Report to credit bureaus?

Does United Southern Bank Use Equifax?

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What is United Southern Bank's SWIFT code?


Does United Southern Bank offer mortgages?

Compare mortgage rates here.

Does United Southern Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United Southern Bank offer personal loans?

Compare personal loan rates here.

Does United Southern Bank offer student loans?

Will United Southern Bank cash a check?

Will United Southern Bank redeem a savings bond?

Does United Southern Bank cash savings bonds?

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Can United Southern Bank issue a money order?

Does United Southern Bank do currency exchange?

Background on The Bank

Who owns United Southern Bank?

How long has United Southern Bank been around?

Can United Southern Bank transfer to other banks?

Does United Southern Bank have quick pay?

Does United Southern Bank accept rolled coins?

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Where is United Southern Bank headquarters?

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