United Southern Bank is a bank based in Umatilla, Florida, established in 1937, with $843 million in total assets across 14 branches. By Trust Grade it ranks 63rd of 83 banks we track in Florida. Its capital ratio of 7.4% trails most similarly sized banks (9th percentile), versus a Florida median of 9.3%. It was profitable over the most recent period, with a 1.19% return on assets. No consumer complaints against United Southern Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How United Southern Bank compares to Florida peers
How we graded United Southern Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.4% capital ratio)
- Strongly profitable (ROA 1.19%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for United Southern Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (14)
- 224 South Us 27, Lady Lake, FL 32159
- 1303 N New Hampshire Ave, Tavares, FL 32778
- 24510 State Road 40, Astor, FL 32102
- 2701 S Bay St, Eustis, FL 32726
- 10021 County Road 44-West, Leesburg, FL 34788
- 27524 Us Highway 27, Leesburg, FL 34748
- 19010 Us Highway 441, Mount Dora, FL 32757
- 331 Raintree Dr, Altoona, FL 32702
- 515 W Main St, Leesburg, FL 34748
- 13609 N Us Highway 441, Lady Lake, FL 32159
- 1510 East Service Road 50, Clermont, FL 34711
- 900 Lake Port Square Boulevard, Leesburg, FL 34748
- 1017 Us Highway 301, Wildwood, FL 34785
- 750 N Central Ave, Umatilla, FL 32784
Are deposits at United Southern Bank insured?
Yes. United Southern Bank is an FDIC-insured bank (FDIC certificate #15465). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
United Southern Bank: frequently asked questions
Is United Southern Bank a good bank?
United Southern Bank earns a Bankzia Trust Grade of B (88/100, "Strong"), based on a financial-strength score of 88/100 (it has no CFPB complaints on record). Well-capitalized (7.4% capital ratio); Strongly profitable (ROA 1.19%).
Is United Southern Bank FDIC-insured?
Yes. United Southern Bank is a FDIC-insured bank (FDIC certificate #15465). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is United Southern Bank?
United Southern Bank holds $843 million in total assets, ranking 63rd of 83 banks we track in Florida. It operates 14 branches.
Does United Southern Bank have CFPB complaints?
No CFPB complaints against United Southern Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
