# UNITED COMMUNITY BANK
MILFORD, IA · FDIC certificate 13656 · asset band <$300M · 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 | $290.0M | |
| Deposits | $232.7M | |
| Loans and leases | $211.8M | |
| Total equity | $26.6M | |
| Loans / deposits | 89.58% (p79 of band) | 73.59% |
| Liquid assets / assets | 22.01% (p27 of band) | |
| Uninsured deposits / deposits | 37.41% (p91 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.10% (p83 of band) | |
| FHLB advances / assets | 9.10% | |
| Tier 1 leverage | 8.45% (p6 of band) | 11.76% |
| Unrealized securities loss / equity | -3.19% (p64 of band) | -6.57% |
| AOCI / equity | -0.04% (p68 of band) | |
| ROA (annualized) | 1.12% (p48 of band) | 1.17% |
| Net interest margin | 3.20% (p18 of band) | 3.93% |
| Efficiency ratio | 60.87% (p37 of band) | |
| Noncurrent loans | 1.51% (p79 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 105.27% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 37.76% (p70 of band) | |
| Auto loans | $589,000 (0.28% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.8M (10% of equity) (p98 of band) | |
| Deposits YoY | 7.7% | |
| Employees | 33 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | liquid assets <10% |  |
| 2014-06 | 2 | loans exceed deposits |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | loans exceed deposits |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 | loans exceed deposits | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 1 |  | loans exceed deposits |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 2 | loans exceed deposits | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | loans exceed deposits |
| 2018-03 | 3 | loans exceed deposits, capital falling |  |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2019-03 | 2 | liquid assets <10%, capital falling |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 3 | deposits shrinking, assets shrinking |  |
| 2020-03 | 1 |  | deposits shrinking, assets shrinking |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 | charge-offs p90 | liquid assets <10% |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 2 | capital falling |  |
| 2023-03 | 1 | charge-offs p90 | AOCI drag >20% of equity, capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | NIM <2.5% |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | reserve under noncurrent | charge-offs p90 |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | NIM <2.5% |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 0 |  | reserve under noncurrent |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-10-22 [New Jersey woman charged in identity theft case involving Northwest Iowa resident - KTIV](https://news.google.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?oc=5) · KTIV
- 2024-04-18 [United Community Bank opens new $65M headquarters in SC - WYFF](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPLVpQTElZZ0VJaTR4VGdkNmxRUURBNGFGQkswT0FLWWZ3aFdXUUF6VTlvWEhSZm5xN1FHTjY3Q3JNTGRLbUh0ME55UExFQUZCeU5JT0stT2NsNVA2bE1hc2o5VnlkcGVNNFBSa2hVTWkyQ05CU0hvZnBRWWdjd3VFWUs4NEUxNmdtbHAw?oc=5) · WYFF
- 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
- 2021-09-06 [United Community Bank welcomes Wilson as Waynesville branch manager - The Mountaineer](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQUU9sWTNpbXYwekwzVHpTUm1ycjNsTUVtQldLLWVtaDJraUtUeTVhN0ZwbG0ybmZDZGRzak9Qd0pCN2pXLVNwWlZVbzhfeXlnWExyN0pCczZfek5vMWpnTHZuUFVzNEtWR1ppOGVDM3dGYUkyU21meFU2ekhDUzhYWlJWNVF2QUNtYW0tQzlXWDI5blc1VG8tMUZ4NzlUSG1BcGNYOThOcU1xbzQ0QldWZ1BYVlhVZ1ZtSC1nenFZYkh6dFlsaDdiVy1MSTVLZmJuY0puN21oWjJXWnROaUloQ2hLZXpuUkVSSW9wbEo5U2xoZXgx?oc=5) · The Mountaineer
- 2022-04-21 [Laura Grove Obituary Apr 21, 2022 - Turner Jenness Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE8tZzhHaEphSUFsY1hDZGJZa2RMYTU5QThWUW5nUGoyYmkwM1BRZW44R09WaTFzVUlpcmlNZ3dacmtsT0lMXy1aR19Ba2Q2cV83Zk1zU3dmWVZudU5ZRE00Wm5QNGpERDhO?oc=5) · Turner Jenness Funeral Home
- 2020-06-19 [Shefali Patel joins United Community Bank - Marietta Daily Journal](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOU2pMM3ZhaUY2YlhDZHhsYndVZl9rYzZUZk92dXNLbGJwMDZCU0hKemtESmQ1cnFUWFU0MGlLaUE5MXNhYlQwRHBMWExlUjNUSjBTckUxc1l0aHFZNWdvRGFUT012UW9NNmR5NmhZZmV6OXZoWFNCZVhtcW9aTUNCb1BtczVhdnkxczBmNEh6d0pyaU9qZ1FJZjk3enAzdURycWdoY3VWaGpvaE11cmYySGEyVjl5UnFmQTk3UFpzWUpIWXRCNVNOdFpSM0lXeHVGOXlFV3pR?oc=5) · Marietta Daily Journal
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13656 (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/24.json (key "13656", 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