# UNION BANK OF BLAIR
BLAIR, WI · FDIC certificate 13580 · asset band <$300M · latest filing 2020-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $114.5M | |
| Deposits | $89.4M | |
| Loans and leases | $90.0M | |
| Total equity | $17.4M | |
| Loans / deposits | 99.21% (p91 of band) | 73.75% |
| Liquid assets / assets | 17.40% (p12 of band) | |
| Uninsured deposits / deposits | 16.15% (p47 of band) | 17.11% |
| Brokered deposits | 15.50% | |
| Wholesale funding | 21.62% (p96 of band) | |
| FHLB advances / assets | 6.12% | |
| Tier 1 leverage | 15.08% (p83 of band) | 10.95% |
| Unrealized securities loss / equity | 1.80% (p41 of band) | 2.60% |
| AOCI / equity | 0.77% (p39 of band) | |
| ROA (annualized) | 1.36% (p72 of band) | 0.97% |
| Net interest margin | 3.61% (p49 of band) | 3.63% |
| Efficiency ratio | 47.18% (p6 of band) | |
| Noncurrent loans | 1.66% (p79 of band) | 0.52% |
| Net charge-offs (annualized) | 0.02% (p67 of band) | |
| Reserve coverage of noncurrent | 87.17% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 29.26% (p69 of band) | |
| Auto loans | $1.3M (1.49% of loans; DQ 6.12%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-12 | 4 | losing money, expense ratio p90, NIM <2.5% |  |
| 2014-03 | 1 |  | losing money, expense ratio p90, NIM <2.5% |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 3 | noncurrent p90 |  |
| 2016-06 | 1 |  | capital falling, noncurrent p90 |
| 2016-09 | 2 | noncurrent p90 |  |
| 2016-12 | 5 | wholesale funding >15%, capital falling, charge-offs p90 |  |
| 2017-03 | 2 |  | noncurrent p90, capital falling, charge-offs p90 |
| 2017-06 | 1 |  | wholesale funding >15% |
| 2017-09 | 4 | brokered >10%, wholesale funding >15%, charge-offs p90 |  |
| 2017-12 | 2 |  | brokered >10%, charge-offs p90 |
| 2018-03 | 3 | brokered >10%, charge-offs p90 | wholesale funding >15% |
| 2018-06 | 4 | wholesale funding >15% |  |
| 2018-09 | 5 | noncurrent p90 |  |
| 2018-12 | 6 | deposits shrinking |  |
| 2019-03 | 5 |  | deposits shrinking |
| 2019-06 | 5 | deposits shrinking | charge-offs p90 |
| 2019-09 | 6 | charge-offs p90, uninsured deposits leaving | deposits shrinking |
| 2019-12 | 6 |  |  |
| 2020-03 | 4 |  | noncurrent p90, charge-offs p90 |
| 2020-06 | 4 |  |  |

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

- 2022-09-26 [Lorraine Deloris Nehring - news8000.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNRFZHdG1DT05ySVNXeV9lRG9uSHNlZXJJd2dDckdUQlJ5aUNHT1RUWGdJbmE1VXE1b285bnpldmFhNEJrd1lsVTVySXZpeE9vQkIyZjR6TGFVd0tpZUFCLXRaRllnUHR4bVZKVURQMVIwd0tISVFOcV85WUR0WFJHdjY1X3o5SFI3VWwwQ3IxMlhPdkhKV3k3b2lUUTlnbnBFTm1Hb0JzcF94Zm1FSTg4?oc=5) · news8000.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13580 (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/12.json (key "13580", 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