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Overview / Commentary
750 North Central Avenue
Umatilla, FL 32784

United Southern Bank (FL) is headquartered in Umatilla and is the 45th largest bank in the state of Florida. It is also the 1,410th largest bank in the nation. It was established in 1937 and as of December of 2017, it had grown to 152 employees at 13 locations. United Southern Bank (FL) has a B+ health rating.

Reviews (4)

Customer Service

Uninted Southern Bank Is A True "Home Town" Bank. They Treat You Like Family And Have Excellent Customer Service. United Southern Bank Values Their Customers, Unlike Most Larger Chain Banks.

Worst Bank I've Ever Dealt With!!

Posted by: Oni352 | Feb 27, 2018

The WORST bank EVER. Will NEVER deal with them ever again and will NEVER recommend them for anything.
They have crappy customer service and do questionable banking and loans.
The worst is when I heard the a couple of department managers tell a customer "We know who your wife works for personally and you should have tried harder and not waited until the last minute"

Customer Service

What was once considered a "home town bank", is now just another financial institution. Absolute worst customer service I ever experienced.

Not very good

This is one of the worst banks around. they offer deposit accounts paying current rates, very limited loan services with high rates, and a clunky web site with access limited to only current transactions and those of the previous statement.

My wife and her mother held a joint account, but when her mother passed away they closed the account without any notice and it was a struggle to get a new account opened. They closed it after an inquiry by my wife, with no proof of death required. So apparently hearsay is a driving force for these people.


Health Grade Components

FDIC Certificate #15465
Year Established1937
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD7.18%
Annual Interest Income$17.9MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$506.6MM$503.3MM
LoansQ4 2017vs Q4 2016$282.6MM$271.6MM
DepositsQ4 2017vs Q4 2016$457.0MM$456.6MM
Equity CapitalQ4 2017vs Q4 2016$44.2MM$42.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$6.5MM$6.4MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$6.8MM$7.4MM
Real Estate OwnedQ4 2017vs Q4 2016$748.00K$2.1MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Southern Bank (FL) Savings Account Rates

0.20%--Regular Savings
0.20%--Holiday Club

United Southern Bank (FL) Money Market Rates

0.30%*$250k*-Money Market Account
OTHER TIERS: 0.10% $5k - $25k | 0.20% $25k - $100k | 0.25% $100k - $250k

United Southern Bank (FL) Checking Account Rates

0.10%--Choice Checking

United Southern Bank (FL) CD Rates

0.81%$1k-48 Month CD
0.81%$1k-60 Month CD
0.71%$1k-36 Month CD
0.36%$1k-24 Month CD
0.36%$1k-30 Month CD
0.26%$1k-18 Month CD
0.21%$1k-12 Month CD
0.11%$1k-91 Day CD
0.11%$1k-182 Day CD

United Southern Bank (FL) IRA Rates

0.86%$1k-48 Month IRA
0.86%$1k-60 Month IRA
0.76%$1k-36 Month IRA
0.41%$1k-24 Month IRA
0.41%$1k-30 Month IRA
0.31%$1k-18 Month IRA
0.26%$1k-12 Month IRA
0.26%$1k-18 Month Variable IRA
0.16%$1k-91 Day IRA
0.16%$1k-182 Day IRA


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