Is United Southern Bank Safe?
United Southern Bank has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (63/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.15% | 100/100 |
| Nonperforming Loan Ratio | 0.46% | 91/100 |
| Liquidity Ratio | 49.80% | 100/100 |
| Return on Assets | 1.07% | 63/100 |
| Total Assets | $0.9B | |
How does United Southern Bank compare?
With a Bank Health Score of 94/100, United Southern Bank sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within Florida, where 83 FDIC-insured banks are headquartered, United Southern Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 16.15% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.46% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, United Southern Bank's Bank Health Score fell by 1.0 points to 94/100. Tier 1 capital strengthened by 0.31 percentage points to 16.15%. Quarter-over-quarter, the score rose by 1.0 points.
United Southern Bank has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (63/100).