# UNION BANK CO
COLUMBUS GROVE, OH · FDIC certificate 12969 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $1.44B | |
| Deposits | $1.19B | |
| Loans and leases | $863.5M | |
| Total equity | $151.4M | |
| Loans / deposits | 71.71% (p19 of band) | 87.10% |
| Liquid assets / assets | 33.45% (p81 of band) | |
| Uninsured deposits / deposits | 28.17% (p42 of band) | 30.76% |
| Brokered deposits | 2.90% | |
| Wholesale funding | 9.37% (p62 of band) | |
| FHLB advances / assets | 6.44% | |
| Tier 1 leverage | 10.78% (p56 of band) | 10.50% |
| Unrealized securities loss / equity | -18.76% (p22 of band) | -7.75% |
| AOCI / equity | 1.96% (p99 of band) | |
| ROA (annualized) | 0.92% (p25 of band) | 1.26% |
| Net interest margin | 4.05% (p71 of band) | 3.70% |
| Efficiency ratio | 60.66% (p56 of band) | |
| Noncurrent loans | 0.12% (p16 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p43 of band) | |
| Reserve coverage of noncurrent | 875.80% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 54.24% (p57 of band) | |
| Auto loans | $1.5M (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 10.7% | |
| Employees | 147 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | wholesale funding >15% |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-12 | 2 | noncurrent p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-03 | 3 | charge-offs p90 |  |
| 2013-06 | 1 |  | noncurrent p90, charge-offs p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | brokered >10% |  |
| 2014-09 | 4 | wholesale funding >15%, capital falling |  |
| 2014-12 | 4 | uninsured deposits leaving | wholesale funding >15% |
| 2015-03 | 4 | charge-offs p90 | uninsured deposits leaving |
| 2015-06 | 3 | uninsured deposits leaving | capital falling, charge-offs p90 |
| 2015-09 | 2 |  | uninsured deposits leaving |
| 2015-12 | 3 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2016-03 | 2 | noncurrent p90, reserve under noncurrent | brokered >10%, deposits shrinking, assets shrinking |
| 2016-06 | 1 |  | noncurrent p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | deposits shrinking | uninsured deposits leaving |
| 2024-06 | 1 |  | deposits shrinking |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | securities losses >30% of equity |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-07-16 [Union Bank Co. begins exterior renovations in Marion - The Marion Star](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPZWMzSnh4UE14TlpWZDgyd2JOOC1PWHZCUExxaGM2V1VPbTVYTGNzeDRGN1JTSEZBTUJGWDRHS0cwT0wzdTc5dHFhckNNMW8waFEwR2RUWVl5UnhjY3U5Z05XNTV6N3V2SE91d21ZS1JSekpCWWlpNmFYWEpuektQZFB0UDFRbjZpTHpRNUNoX3FyZ1d5T3FWc2E3djVkc29DWjN3eVAyeTB6Sy01cTkyUU5NQURZUnFOQTV3?oc=5) · The Marion Star
- 2026-08-12 [The Union Bank Company completes digital banking upgrade - EIN News](https://news.google.com/rss/articles/CBMinwFBVV95cUxNUVJwNnNad3EtNWdSbFBxLVJmYzU1ZklMNnNHVnk1a2QtOGJhSjIzYlZITVRiaUNlSnFJX2c5cmpXbHc1aWc0Z0xUZnBqWmxxVVdfRUN0bzNmZGR0VnQtY2NBWUJrblFiWkg4Z01rT1FKcVpJbjlHemRWRFZjZFp5WGQtREpsZEJQMmp3MWNnY05Zc25Za3lSN3VWU09EQnM?oc=5) · EIN News
- 2023-04-04 [Local bank recognized by SBA - Business Wire](https://news.google.com/rss/articles/CBMijgFBVV95cUxOVUpnQjRSUHBpNkJqU0ZzRjgwWm1yS0JjanlDVm9udzdzclZlUUxjYThYVVUtcVY5S2ZtdldONFFpRDJ5cWxVSlN5Tlp4V2tsNjBFeFlSR1U0Y2JZdEQ0UVRfTnl2RmUyY0tid0o2RnFuaVV4eDNBcXBNXzlQVGNpTFYyRnI2RUdTQW9qcTRB?oc=5) · Business Wire
- 2025-07-31 [Raymond James, Osaic laud new bank partnerships - investmentnews.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxQbmpYRU1vZ1V2bkpUZ2phdml5b0R3cTZ6THNOS3lEalVGanBGLUR1M0Y1SFF5Ymh6UkhXMFNSUmFtckxiUGJtY0ZvbXU3elhQbXZCeEtmYUVuMFFUZGFVOFdtRkhmamFaeXVFYi1mTEVLcFY5NnZ0dEhjSzhCVHc5NDAyRlZmdnk3c3BsUllkMUVyTGU1blVlRzFsTkd3elVMeWdQdzBkeV9SNGdTR0lXSQ?oc=5) · investmentnews.com
- 2023-02-28 [Alleged serial bank robber arrested in Findlay - 13abc.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNRFIxVS1JUGJDbmVJendLM0xlNy0wZUREbFNDSVIwNkNQVy1tbnY3QlNaeWpvaEhhZm9MbXlzUFc5dzI1UFluaUZGWkpoQWViZFI4NU9aQUdTd29BRDB4S3lVSE9KTS1rMWt0Rlo2NTZNMllHUjVSNllYcmZPSk50UlluQdIBlwFBVV95cUxNTDEwTzVPZXRUSERmc3k1SFQ0NWlrV1k2Mll3TGZDVjdkQjZCbXRZV3VwaDE4Vm81VzBpMU5ESjZyTmdTc3VtYlJJQW94X19UZXFRS241NWh1TG5OeEdQdmlWbm9VM2VnYklpRlpkbkpiQnFtV1A5WTdTeWNjalh2aUFZZm1aNkN1QktnSlF6dHktVjlFNXlJ?oc=5) · 13abc.com
- 2025-12-19 [Andrew C. Lause Obituary Nov 24, 2024 - Love-Heitmeyer Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9wcndHenRQYlZ2dERLUFQ1XzdHREVzaGg5UWxzengzTDhRVHlWZDlMYjJzM1RuVXV5UkxIN3A2X1dsbDRIbVBXZWJ5ZjJkVUprZ1liZ0kyYkM1Zy16bkF4WktlQQ?oc=5) · Love-Heitmeyer Funeral Home
- 2023-02-28 [The FBI Northwest Ohio Safe Streets Task Force, Findlay Police Department, and Hancock County Sheriff’s Office Announce Arrest of Suspect in Multiple Bank Robberies - Mercer County Outlook](https://news.google.com/rss/articles/CBMirgJBVV95cUxPTTVMQ2NMZHBYNFZXWksxdDh2RzJqZE03X1M1d1A1RXNOTmx0LVU1UnFBQl9fVTFfMFZfOUNqUlpRYkM5bnJFM0czb2dtOF9OSmlYTi1WN1M5OUF4c3lsWVQ4UEtDdEkxRGRKeU4yM01QQ0tsbjBJMV84WnRXTkxxd1MycWlnS0VOdmhlWlpNSVJtTUZSZENhWmVqQmNYQmFCN1Q0TE04MzlXV1dldi1PODVNWnNxRTExYWRoQTVVOXZMS2dEeGlqaEpYdmZqdHdjdGNPaF9oRS1LcnhjU2tRSnlsMUVMNnRlSkRGWjlOcnpmMkxaRFdhZm9IM0Fzb3dmZ1FZYWdCQzNwRkVVenRVYU9MbmpUVk4wZ0l0RE1QMUN3ekhwajhpQklYMk5aZw?oc=5) · Mercer County Outlook
- 2014-11-18 [United Bancshares acquires Ohio State Bank - The Marion Star](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNLVhGVmZOS2FJNEJUU0FSeUlodDdLRTJwNTFBQVljQjFNRVRvWnlWN1VvbkFxUkZKRm9waUFwWnRfTEVadzBGOGNaa3U5bmxBOEJqcUZjM3UwMmI5YV8zM0NJZ2JPNVpUR0hhSVhfNW83VTlfX0VST19ONS03Qll5YUI3NUFTUDJpb251bF8wakpYWFJOTjB1SHdGV2dWQUJ5a3pSSGhmc1VMU28?oc=5) · The Marion Star

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12969 (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/41.json (key "12969", 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