# UNITED BANK OF UNION
UNION, MO · FDIC certificate 14334 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $577.5M | |
| Deposits | $491.1M | |
| Loans and leases | $483.2M | |
| Total equity | $48.1M | |
| Loans / deposits | 96.90% (p85 of band) | 82.04% |
| Liquid assets / assets | 14.52% (p15 of band) | |
| Uninsured deposits / deposits | 26.86% (p54 of band) | 25.97% |
| Brokered deposits | 3.56% | |
| Wholesale funding | 9.81% (p76 of band) | |
| FHLB advances / assets | 6.25% | |
| Tier 1 leverage | 9.65% (p26 of band) | 10.81% |
| Unrealized securities loss / equity | -16.91% (p28 of band) | -8.10% |
| AOCI / equity | -0.81% (p29 of band) | |
| ROA (annualized) | 1.46% (p62 of band) | 1.28% |
| Net interest margin | 4.09% (p60 of band) | 3.91% |
| Efficiency ratio | 61.59% (p51 of band) | |
| Noncurrent loans | 2.36% (p91 of band) | 0.43% |
| Net charge-offs (annualized) | -0.02% (p5 of band) | |
| Reserve coverage of noncurrent | 64.32% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 137.28% (p95 of band) | |
| Auto loans | $1.3M (0.26% of loans; DQ 1.10%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 84 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## 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 | 1 | uninsured deposits leaving |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | capital falling |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | charge-offs p90 |  |
| 2015-09 | 2 |  | charge-offs p90 |
| 2015-12 | 2 |  |  |
| 2016-03 | 4 | capital falling, charge-offs p90 |  |
| 2016-06 | 4 | construction >100% equity | capital falling |
| 2016-09 | 3 |  | construction >100% equity |
| 2016-12 | 4 | construction >100% equity |  |
| 2017-03 | 3 |  | charge-offs p90 |
| 2017-06 | 3 | charge-offs p90 | construction >100% equity |
| 2017-09 | 2 |  | charge-offs p90 |
| 2017-12 | 3 | construction >100% equity |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | capital falling |  |
| 2019-03 | 5 | charge-offs p90 |  |
| 2019-06 | 3 |  | construction >100% equity, capital falling |
| 2019-09 | 2 |  | charge-offs p90 |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | construction >100% equity | noncurrent p90 |
| 2020-06 | 2 | capital falling | construction >100% equity |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 3 | noncurrent p90, construction >100% equity |  |
| 2021-03 | 3 | capital falling | noncurrent p90 |
| 2021-06 | 3 | noncurrent p90 | construction >100% equity |
| 2021-09 | 4 | charge-offs p90, construction >100% equity | capital falling |
| 2021-12 | 3 |  | charge-offs p90 |
| 2022-03 | 4 | capital falling |  |
| 2022-06 | 4 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | securities losses >30% of equity |  |
| 2023-03 | 4 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 5 | securities losses >30% of equity, charge-offs p90 | reserve under noncurrent |
| 2023-09 | 4 |  | noncurrent p90 |
| 2023-12 | 4 | wholesale funding >15% | securities losses >30% of equity |
| 2024-03 | 6 | securities losses >30% of equity, noncurrent p90, reserve under noncurrent | wholesale funding >15% |
| 2024-06 | 5 | wholesale funding >15% | charge-offs p90, securities losses >30% of equity |
| 2024-09 | 4 |  | capital falling |
| 2024-12 | 5 | charge-offs p90 |  |
| 2025-03 | 3 |  | wholesale funding >15%, charge-offs p90 |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

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

- 2020-10-01 [What drove this St. Louis bank to change its name and charter - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNa2VDQk9RNWhuaC12VTY1VGJKTnpyQUVCNWNydURYWDg0YXA5WXppM2Y0N0IxVzNDWTlDblNaTExQT19sTkM4UGxVZ1UzVHFOU3A2dFR3NE1reENPWUwtdDNCakNLS3JST0RrQUc2UUtMUFEzcjlfTVlyRXV6NHNCSkhqU0JHNF92dXA1am0zRFJOc0ZsQkYzS1JqRXQwT1pJQ3RFV2JHUlc?oc=5) · The Business Journals
- 2024-11-29 [Weather postpones Union's Small Business Christmas - Missourian | Washington, MO](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNc3BVUmhMQTBTTVRfX0tzdy1DaTRQR09RNkYxeXJBWlZMU0pFV1pFU3hENWZYcVlJWE5CNG8tdE9LSlZQN2xyWlpoVXY0ODBqcEo0cXNrOTduOFZ3dFFhalR0amEtQWxDVjNUUGFBRjBmVjBZSTJtT3N5UzhUZFpzVHVnS2xibEM5MFRTcWluVWZOV2JRUlNqaEl6UHlESzdpOXI3czBOcmE0UWNxejlhZ1I1QU5CbkFoQUttcXZOVjFlVjJKQkJCTUh1T0NseXBqcVBv?oc=5) · Missourian | Washington, MO
- 2020-07-08 [Sierra Nevada, Bell’s, Deschutes and More: Breweries and Wholesalers That Received Between $1 Million and $10 Million in Paycheck Protection Program Funding - Brewbound](https://news.google.com/rss/articles/CBMijwJBVV95cUxOdmFqRDZVSFh2NGt3TGUtQ1VYTzMtMlVUaFEwbjA0Y1dIa0dXVlUxMHNVMkZBdHdKZ0tFLW40Z2ZzSjRRRTFyV0JiM2ExZ3VHQWQwTGJkNEJUZG5YQTl1T0tySG84ZTFvMm14aWRoZ0REa2wxbF9IRW1tRmI5dTdzSWZFREg5WjE1aVNfbWUxZGRKX2JpWUc0Ny1kMVVUVWRCZEJaN1VfQ09Uc1JaUkdaT2YwTGtzbDk0dk1oMFVCWnMtMnlCOEFyQVdCWldoMlp6SF8zQWRVdGxUT1otaS1ic3pkWEpiOWI5QWdsNnJxdExzdmRyNFNsV3BzbEhlSFZ4LTRXOUN4N244TWdLMjhn?oc=5) · Brewbound
- 2019-12-05 [The day a courthouse was bombed - Gasconade County Republican](https://news.google.com/rss/articles/CBMib0FVX3lxTE1LZXlEd1RMQ2JwdVNuMzJWUzFVUGMyVzYxdTdlM01vWTgzM245ajFOMzNKdTk5SkU2NGpOQUxERFFRNU4tWWM2U2RwM2I5NnNCb1FnaVhmYjJFRG9mUlV5MFE0dmpCZi05QWNUZndvbw?oc=5) · Gasconade County Republican
- 2026-03-04 [Dale Gerard Schmuke Obituary (2026) - Union, MO - Oltmann Funeral Home - Union - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxNUmlWNDNnd1JsTTNJTFliVFZESFE2cnBidnlkVDVQeEsyOWMxOERMTlJKWVZEUDVvODNYWXFZMkloWGJtUzAyeWlNWVZjc0RlOXJyMWVzcG1fc3FoOGhYWmFZR09pZHVGaGYySWpMcXkwWjgxVGNkOVRscENuTGVLNg?oc=5) · Legacy obituary
- 2019-04-25 [After 32 years, a St. Louis bank gets new CEO - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQX1FIQldKSUJPdTJhajVoX21ObWVWRUl6SERpZDNFTlJXY3JKa3BUN084X0dKT2ItRGlTQnlYV0JiOVB0UDZJNldRSDJXemlISWVpY3VaM1ZndHVYUmNsWlRNaENRdHp0NmJSR1JORTM0RUdJMUJ0YVhFQ3BUdVZwc1lENzN6eGFpNHk1SU5NMzA2WUtYR2RZR1pId1FqRTBXSVE?oc=5) · The Business Journals
- 2022-01-26 [Union aldermen replace deceased, jailed planning board members - Missourian | Washington, MO](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPRnBQSURwbGFzM2hLTkRsUGJBY0Z2SFlZdV9MRVB3Z05IYm42aVJoSEdCOU5pcnBiQmNielZTVzJrWFdDZmtycDEzc18wSnlxamJldHR5NU0tV1FGc3NGRmRyN0RNU3A5WXA3MldNVWFOcWI3ZVFCblBQbExDRmdwM3hBWWNCTGRscC1rLUJZNGc1X3ZhdDRHQ0dJMEVKQkFoejROd1FVeDlHeXQtVW5IZXR1LVpGUDR3TUhXVkZwQmNnbVRvS2pGYkIzWnBmMG10OC1fUGYzWEE3VmtYVGFaWmFSWQ?oc=5) · Missourian | Washington, MO
- 2025-12-13 [Bonita Karen "Bonnie" Bolte Obituary (2025) - Union, MO - Oltmann Funeral Home - Union - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxPVHFNeFlzMW1mT091ZXV2QUJnNlZZYV92SVEzbVEtRDN3dWUzaXZKUzdzdFowWVBzaWRyaHUxTmdSbFZaaktoN0poak13cG5na1JnVk55ejlVZ1NyWG5JaExZYXA4WWlUZEh3N3RON1pMTjhUUHlYcEJwME1zbjdYdg?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14334 (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/62.json (key "14334", 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