February, 2024

Under the Federal Community Reinvestment Act (CRA), the Federal Reserve Board (Board) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The Board also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the Federal Reserve Bank of St. Louis; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the Federal Reserve System publishes a list of the banks that are scheduled for CRA examination by the Reserve Bank in that quarter. This list is available from the Officer in Charge of Supervision, Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, MO 63166. You may send written comments about our performance in helping to meet community credit needs to President, United Southern Bank, P.O. Box 951, Hopkinsville, Ky 42241 and the Officer in Charge of Supervision, Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, MO 63166. Your letter, together with any response by us, will be considered by the Federal Reserve System in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the Reserve Bank. You may also request from the Reserve Bank an announcement of our applications covered by the CRA filed with the Reserve Bank. We are an affiliate of Todd Bancshares, Inc., a bank holding company. You may request from the Officer responsible for Consumer Affairs, Federal Reserve Bank of St. Louis, 411 Locust, P.O. Box 442. St. Louis, MO 63102, an announcement of applications covered by the CRA filed by bank holding companies.

United Southern Bank
Todd Bancshares, Inc.

United Southern Bank is a community bank headquartered in Hopkinsville, Kentucky, with offices located in Christian County (3 locations in Hopkinsville, 1 in Crofton, and 1 in Pembroke), and Todd County (Clifty, Elkton, and Trenton).

The primary trade areas for Todd County locations are as follows:

  1. Elkton – city of Elkton, central Todd County
  2. Trenton – city of Trenton, city of Guthrie, south Todd County
  3. Clifty – township of Clifty, north Todd County

The primary trade areas for the Hopkinsville offices are the cities of Hopkinsville, Pembroke, Crofton and Christian County.

Available maps show delineated areas and a list shows the census tracts served by the institution.

United Southern Bank will extend credit in the following types for all qualified borrowers including low- to moderate-income applicants:

  1. Residential and mobile homes
  2. Home improvement and rehabilitation
  3. Small business
  4. Farm and farm operation
  5. Community development
  6. Commercial
  7. Consumer (vehicles, boats, equipment, appliances, etc.)
  8. Loans guaranteed by SBA and FHA
  9. Loans to local city and county government agencies
  10. Loans to churches, cemeteries, and other religious endeavors

A copy of the Community Reinvestment Act Notice is posted at each United Southern Bank location.

A copy of the bank’s Community Reinvestment Act Statement and other documents in the bank’s Public File are available upon request, at any location, for the cost of reproduction.

In an effort to help meet community credit needs, United Southern Bank communicates with city and county government officials, civic groups, community leaders, business leaders, and realtors.  The bank engages in word-of-mouth advertising by the bank’s staff and its existing customer base to reach the entire community.

United Southern Bank extends credit to minority and non-minority churches and provides credit for residential home purchases and consumer products in low- to moderate-income areas of the more rural sections of the delineated communities. It extends credit to businesses in Todd and Christian Counties; however, more emphasis is placed on the more rural areas as those businesses have less access to credit.  The bank also provides its community centers for various non-profit organizations.

Members of the bank’s Board of Directors, officers, and staff serve on various community and school committees that serve to enhance the quality of living.  The bank’s president serves as a member of the Todd County Industrial Foundation Board of Directors and is a board member of the Hopkinsville-Christian County Economic Development Council.

The bank’s Board of Directors reviews the Community Reinvestment Act Statement each year and acts upon any material changes made in the interim.

United Southern Bank provides deposit services as follows:

  1. Demand deposit accounts (low-cost checking accounts)
  2. Health Savings Accounts
  3. IRA accounts
  4. Certificates of deposit
  5. Passbook savings accounts
  6. Christmas and Vacation Club accounts
  7. 24-Hour ATMs
  8. Debit cards
  9. Internet banking
  10. Mobile banking
  11. Phone Banking
  12. Mobile Deposit Capture

United Southern Bank will provide credit and deposit services that are legal and prudent and conform to State and Federal banking regulations and that are consistent with safe and sound banking practices.

Under no circumstances will a customer’s age, sex (including but not limited to sexual orientation and gender identity), marital status, race, color, religion, national origin, or residential address be a factor in determining what services will be offered.

To download our most recent Community Reinvestment Act Performance Evaluation, please visit CRA Evaluation 20231204

Branches Opened 2023

2023: None
2022: None
2021: None

Branches Closed 2023

2023: None
2022: None
2021: 100 North Drive, Hopkinsville, KY – Christian Care Communities Mobile Bank. Date of closure: July 1, 2021.

Loan to Deposit Ratios 2023

1st quarter: 81.92%
2nd quarter: 89.02%
3rd quarter: 88.98%
4th quarter: 87.56%

To view complete demographic information about the communities in our assessment area, please visit FFIEC Census Reports


To view the Christian County assessment area income map and record count summary analysis, please visit Christian County Map


To view the Todd County assessment area income map and record count summary analysis, please visit Todd County Map


We have 8 locations in Christian & Todd Counties. To see a complete list of our locations and hours, please visit our locations website page.

United Southern Bank offers loan and deposit services including:

  • Checking Accounts
  • Savings Accounts
  • Certificates of Deposit (CDs)
  • Consumer, Mortgage, and Commercial Loans
  • Internet and Mobile Banking
  • Safe Deposit Boxes

Give us a call to learn more or visit our Services web page here.

Bank Fees: 

Mortgage Origination Fee: $750.00 flat
No Application Fee
No Documentation Fee

*Pass-Through Fees:

Credit Report: $14.00 – $45.00 per borrower

Flood Determination: $12.00

Appraisal: $575.00 – $2500.00 (depending on property, location, and appraiser used)

Mortgage Release Fee: $46.00

Attorney Fees: Depends on service performed, complexity of loan, and attorney used.

UCC Filing: $5.00 (electric filing)

Title Lien Statement Recording: $22.00

*Pass-through fees will vary according to loan type, jurisdiction where documents recorded and professional services used.

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

ATM Card/Visa Debit Limits and Fees

ATM Card Withdrawals at United Southern Bank ATMs: No Charge

Visa Debit Card Withdrawals at United Southern Bank ATMs: No Charge

Access to Non-United Southern Bank ATMS: $1.00 (Bank owning ATM may also assess additional fees)

Replace ATM or Visa Debit Card or PIN: $5.00

ATM Card Daily Withdrawal Limit: $200.00

Visa Debit Card Point of Sale Daily Limit: $1000.00

Visa Debit Card ATM Withdrawal Limit: $500.00

Visa Debit Card Open to Buy Limit: $2500.00

Overdraft Fees (Checking & Savings)

Returned Check Items: $35.00
*items such as checks and ACH withdrawals for which there are insufficient funds, and items are returned by the bank. 

Nonsufficient Fund Item: $35.00
*overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means paid on your behalf. 

Uncollected Funds Fee: $35.00
*items presented against a negative balance caused by a management/teller hold. 

Internet/Mobile Banking Fees

Internet Banking (Personal or Commercial): No Charge

Bill Pay (Personal or Commercial): No Charge

Bill Pay Stop Payment: $25.00

Commercial Cash Management (ACH Origination): Monthly Fee: $15.00 – Per Item Originated: $0.15

Mobile Banking (Text or Smartphone App): No Charge
*text and data rates may apply

Other Fees

Check Order: Fee depends on the style of check ordered

Paper Statement Fee: $2.00 per month

Cashier’s Check: $5.00

Account Activity Printout: $1.00

Account Research: $20.00 per hour (minimum charge of $20.00)

Account Balancing Assistance: $20.00 per hour (minimum charge of $20.00)

Additional Statement Copy: $3.00 per statement

Fax Service – Incoming: $3.00

Fax Service – Outgoing: $5.00 First Page ($1.00 additional page)

Copies: $0.50 each

Stop Payment (All Items): $25.00 per item

Domestic Wire Transfer (Incoming or Outgoing): $18.00

International Wire Transfer (Incoming or Outgoing): $50.00

Garnishment/Levy: $50.00

Item Sent for Collection: $75.00 per item

Account Closed within 90 Days of Opening: $25.00

Dormant Account Fee (For balance below $100): $5.00 per month

Safe Deposit Boxes (per year):
Extra Small: $14.00
Small: $15.00
Medium: $18.00
Large: $20.00
Ex Large: $30.00

Night Depository Bags (Lock and Key): 1st bag – no charge. Each additional bag – $20.00

Large cash withdrawal fee: $0.50 per $1,000 over $500,000 per month


The HMDA data about our residential mortgage lending are available online for review.  The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.  HMDA data for many other financial institutions are also available online.  For more information, visit the Consumer Financial Protection Bureau’s Web site (

None at this time.

Building relationships, one customer at a time.

We get it.  Everyone is unique and so are your financial needs.  We’re here to help.


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