UNISOUTH INC is the parent banking group. UNITED SOUTHERN BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

UNISOUTH INC

Legal name: UNISOUTH, INC.

1 active bank · $843M combined assets

RSSD ID: 1141601 (FFIEC NIC)

Combined Assets

$843M

CRA Rating Summary

Satisfactory1charter

Across all 12 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankUNITED SOUTHERN BANKUMATILLA, FLSatisfactory$843MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$843M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$771M

Net Income

$2M

ROA (avg)

1.19%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

373

Origination Rate

83.65%

Denial Rate

3.75%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
UNITED SOUTHERN BANK	UMATILLA, FL	FDIC	$843M	100.0%	Satisfactory	Dec 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.