United Southern Bank (FL)

Overview / Commentary

www.unitedsouthernbank.com

352-669-2121

750 North Central Avenue
Umatilla, FL 32784

United Southern Bank (FL) is headquartered in UMATILLA and is the 34^th largest bank in the state of Florida. It is also the 1,151^st largest bank in the nation. It was established in 1937 and as of June of 2024, it had grown to 154 employees at 14 locations. United Southern Bank (FL)'s money market rates are 70% higher than the national average, and it has a B health rating.

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Health

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	15465
Year Established	1937
Employees	154
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.79%
Return on Equity - YTD	19.46%
Annual Interest Income	$17.6MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$866MM$896.3MM
Loans	Q2 2024vs Q2 2023	$381.5MM$345.9MM
Deposits	Q2 2024vs Q2 2023	$769.2MM$785MM
Equity Capital	Q2 2024vs Q2 2023	$37.6MM$27.6MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$9.4MM$9.5MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$1.8MM$1.4MM
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$0	-	Regular Savings
0.05%	$0	-	Holiday Club

United Southern Bank (FL) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$250k^*	-	Money Market
OTHER TIERS: 0.05% → $5k - $25k \| 0.25% → $25k - $50k \| 0.40% → $50k - $100k \| 0.50% → $100k - $250k

United Southern Bank (FL) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$0	-	Choice Checking

United Southern Bank (FL) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$1k	-	60 Month CD
0.25%	$1k	-	36 Month CD
0.25%	$1k	-	48 Month CD
0.20%	$1k	-	24 Month CD
0.20%	$1k	-	30 Month CD
0.15%	$1k	-	12 Month CD
0.15%	$1k	-	18 Month CD
0.10%	$1k	-	182 Day CD
0.05%	$1k	-	91 Day CD

United Southern Bank (FL) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%	$1k	-	60 Month IRA
0.30%	$1k	-	36 Month IRA
0.30%	$1k	-	48 Month IRA
0.25%	$1k	-	24 Month IRA
0.25%	$1k	-	30 Month IRA
0.20%	$1k	-	12 Month IRA
0.20%	$1k	-	18 Month IRA
0.15%	$1k	-	182 Day IRA
0.15%	$1k	-	18 Month Variable IRA
0.10%	$1k	-	91 Day IRA

Locations

Availability

Orlando Area

Orlando Area bank & credit union details

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