United Southern Bank: how it compares with its peers
Against 59 KY banks with half to twice its assets, United Southern Bank's strongest measure in Q2 2026 is net interest margin (4.52% vs. a 3.92% peer median). Its weakest relative measure is assets per employee ($5.4M vs. $6.1M).
| Measure | United Southern Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.46% | 1.26% | Middle third Ahead of 61% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.52% | 3.92% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.35% | 60.17% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $6.1M | Middle third Ahead of 34% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.13% | 83.53% | Context |
What it means for lending operations
Its efficiency ratio of 56.35% is better than the 60.17% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- 1st Trust Bank, Inc. Hazard, KY · $352M
- Citizens Deposit Bank of Arlington, Inc. Arlington, KY · $348M
- The First National Bank of Grayson Grayson, KY · $372M
- Kentucky Farmers Bank Corporation Catlettsburg, KY · $328M
- Citizens Bank & Trust Company Campbellsville, KY · $383M
- First State Bank Irvington, KY · $402M
Questions about United Southern Bank
How big is United Southern Bank?
United Southern Bank, established in 1922, is headquartered in Hopkinsville, KY. It reported $354M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is United Southern Bank's return on assets?
1.46% annualized in Q2 2026, against a 1.26% median for 59 KY banks with half to twice its assets, ahead of 61% of them.
What is United Southern Bank's efficiency ratio?
56.35% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 60.17%, and lower is better.
Is United Southern Bank growing its loans?
Net loans grew 9.8% over the year to Q2 2026, while deposits grew 2.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.