# UNITED COMMUNITY BANK
POYNETTE, WI · FDIC certificate 11603 · asset band <$300M · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $185.3M | |
| Deposits | $159.8M | |
| Loans and leases | $135.0M | |
| Total equity | $22.8M | |
| Loans / deposits | 84.44% (p64 of band) | 77.51% |
| Liquid assets / assets | 18.04% (p21 of band) | |
| Uninsured deposits / deposits | 14.43% (p44 of band) | 15.78% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.08% (p45 of band) | |
| FHLB advances / assets | 1.08% | |
| Tier 1 leverage | 8.08% (p4 of band) | 11.30% |
| Unrealized securities loss / equity | 0.07% (p94 of band) | -1.85% |
| AOCI / equity | 0.36% (p98 of band) | |
| ROA (annualized) | 0.17% (p8 of band) | 0.99% |
| Net interest margin | 1.14% (p1 of band) | 3.82% |
| Efficiency ratio | 59.80% (p22 of band) | |
| Noncurrent loans | 0.30% (p39 of band) | 0.53% |
| Net charge-offs (annualized) | 0.02% (p54 of band) | |
| Reserve coverage of noncurrent | 21.81% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 39.60% (p72 of band) | |
| Auto loans | $352,000 (0.26% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, charge-offs p90 |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling, uninsured deposits leaving | charge-offs p90 |
| 2013-06 | 1 |  | capital falling, uninsured deposits leaving |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | loans exceed deposits |  |
| 2017-09 | 0 |  | loans exceed deposits |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | NIM <2.5%, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-04-22 [United Community bank officially opens $65M downtown Greenville headquarters - SCBiz](https://news.google.com/rss/articles/CBMimgFBVV95cUxQSEVPaGFjMkV3OHZBMmRVempiN0haWjBGS0o2THItbU91ckdyd08zbEh3X3ZnTTNsZy1mUURaR3AxN21qSVFSWFA3MHQ1aHdOWFlDTHVSX01QYk4xd1J2bEFyU0ItN0VyNjNJTGVjSkhrQ2RlQ08zRWhJZ3V3M2pxejJOQ0lfX0pMbnV3M0NzRldXM280ZnVVVkhB?oc=5) · SCBiz
- 2025-07-03 [United Community Bank names new market presidents and chief lending officer - Capitol City Now](https://news.google.com/rss/articles/CBMitgFBVV95cUxPNnpHUVBqSDVmSERwVW83dzNxQTAydDNvd0NNT0NCel9jQjltRTR5UTdoTXZuc2xYQmNnLVI2cUw2NDJMSjJSMkFTZ1JsM1FBalRndzF2UERBd203bXJvWGY3REhsY0ZxWDNoZE1JQS1LUzJSY3JKWFQtQ1Q0Z2dWVnRUYmVwbjlpZUZkMWtaNXVnWGJLMWRWc01xRnlvWUhEU1lEc2ZId0U5N0g2T1l0YW5BdHhPQQ?oc=5) · Capitol City Now
- 2025-07-09 [UCB announces Springfield-area market reorganization - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxOaXAyaWtreGdEVWlEd3ByeEpET1BvdG54SlpCb3BhMnJ6aFV1aUZmQ19VdEJtYjdzRzJ5TGNzbDVONzBodzhxOFViUU1tbGtzb19YSWRlR1ZGVWJ2WWw3cVRqT24tTU1nVHctQ2NIZktWQ3J3MmRSeGhMSDhrWGpyN2hVY1RDRWlVV3YyLWt1ZjNfaVhEb0JJcHdwYUFnV0hidW95MkxjREtjWGhqRlF4MmtiNA?oc=5) · springfieldbusinessjournal.com
- 2022-04-23 [United Community Bank announces promotions - lobservateur.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPOWZvV3IxT1I1eVk1Y3hza19OVFNKSHdLay1DVjJ3VHhtVHZfeXZ0UFpiTWVmWWFRd1BZR2pRNjhvRFExWWNNSE9GODRHVGxQbnNuSW1yQ3FodnQ0SVlUNGRockpLLUlkRElNRk96amlKaHczd2tiS0lDaXlWRE1UNHJPNFVTUQ?oc=5) · lobservateur.com
- 2025-01-12 [Melinda Davis Lux Joins United Community Bank - The American Law Institute](https://news.google.com/rss/articles/CBMihgFBVV95cUxQREZNRHNpaUxmMEVWV3UxZFFMWjlzaG1DaFpMamYwRk92R05JelNpTGlmSWppOENLdFBnNWZmMU54UW50NHRRQUVURzFwN1JUUnRDcFJCSjcxZFdGb29TSWFEZXZ3Y1RVajRxN21JbW1tQnAzdEM0bWxxazRWLWNwYm9McElsZw?oc=5) · The American Law Institute
- 2023-03-30 [Scott Preston named United Community Bank's division chief executive officer as David Johnson prepares to retire; others also changing banks - The Rome News-Tribune](https://news.google.com/rss/articles/CBMivAJBVV95cUxOM0NWUjNSMU9ldG1JVWxma3gwTHFLcWdVdmtCOU1jMmFDd3poV1dnUnJCcXFlZWRveVFuam5IdldtNTFZU1RSTGdsNk5DMGZXV1ZwNWJRd1ZXQWFCVnA2NU1hZHJHSHBOVXp5dV9CdjlFZnZ2VFlMQUZvNTE2ZnNuMVotRXl5cExCaWxXakdCODVYVDZub0ZOcEZGb3EteUdUYUpleVJpSUVYVlNScW5mV24td0c4WTNjTHVNTU9LMVlUeFFtREItRTZSWUFXY19mYWs4UlAtMVlsd3NrVFNpeGxZaEprMGJTMVdTUVBENGo2WkRaSXdRMXZVbWlGZnhPa3hQQkdUU0pJWS13bEx6eGg0TnZyeENJOXVJczQ4N0VlVGRrQllxek9XelExUUpSeFpVOHRFejZLbVdk?oc=5) · The Rome News-Tribune
- 2018-06-12 [United Community Bank Sued over Debit Card Overdraft Fees - Top Class Actions](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPaWVqMEh3YzlYTkQ5M1ZvXzBocFV0Z0hwMTVYazlJc3ZHOFlUQ1Bwa2Rkemd1VWxtWHdoTEJ3WGRnVGhybjVaQndwLVJxLUpGYVd2dWdUMTdXNVBJMlRRMTZITWRNWm1fTVIyMUFZZ0VxMnpUU08xeFlkeExvY0pQOWk5a0dHdTdSVzVkMkNQalBXYTAzSkFLaTVuYVJ2OFdJNV9INzlOLUU3MVJmcnhuNUg5WlFxazdCdWFz?oc=5) · Top Class Actions
- 2026-08-05 [First Citizens Bank Appoints Barton and Thompson to Lead Growth Across Central U.S. - ABF Journal](https://news.google.com/rss/articles/CBMirwFBVV95cUxQRGZhbWVwTVNzVTROVUZCWGtuSG9DU2Rfbjl1d05zNHc3YnRYUkNFanFweXBxOThLbk5MdnVTSXdybmFTNVdkaUlWR3hzUWV1eFFhMkhVMktTNmZ3SnV4blJ4am1abFJMaS1oQlVybzk4dGJqNkNlRWFQTWNka01yTl96M0E0UnkzaE1qN2twWnZQNlJzQjJPTVVJdTBrTTVMcVN1ZHlVRUc2bTIzR3hF?oc=5) · ABF Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11603 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "11603", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide