# UNION BANK
MENA, AR · FDIC certificate 14597 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $710.2M | |
| Deposits | $625.9M | |
| Loans and leases | $486.6M | |
| Total equity | $79.9M | |
| Loans / deposits | 76.56% (p38 of band) | 82.04% |
| Liquid assets / assets | 29.22% (p62 of band) | |
| Uninsured deposits / deposits | 26.40% (p53 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.40% (p61 of band) | 10.81% |
| Unrealized securities loss / equity | -7.08% (p54 of band) | -8.10% |
| AOCI / equity | -1.07% (p20 of band) | |
| ROA (annualized) | 2.43% (p94 of band) | 1.28% |
| Net interest margin | 4.72% (p88 of band) | 3.91% |
| Efficiency ratio | 51.27% (p21 of band) | |
| Noncurrent loans | 0.26% (p38 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p74 of band) | |
| Reserve coverage of noncurrent | 585.93% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 51.96% (p58 of band) | |
| Auto loans | $16.4M (3.38% of loans; DQ 1.21%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.6% | |
| Employees | 120 | |

## 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 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 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 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 | deposits shrinking | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | securities losses >30% of equity |  |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | charge-offs p90 |  |
| 2024-06 | 0 |  | charge-offs p90 |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-07-09 [Shawn Bates Named Chief Credit Officer at Union Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMieEFVX3lxTE41N2hnaHlIVHBUM0FBNVpCVVlSX2ZnR1Z2TVUzZjdFbXp5WFh6eEtiVlhZRHdjcndZS3duLWo2SzFEbzB2R0JLZU5ucDZ0T2h0X0JSME9JRExVN05Dc0hMSzF2MEphazlMMllCRjFXcjdqcU9VcXkyMA?oc=5) · Arkansas Money & Politics
- 2026-07-20 [Shawn Bates Named Chief Credit Officer at Union Bank (Super Mover) - Arkansas Business](https://news.google.com/rss/articles/CBMipAFBVV95cUxOZDRuYktkcHRyZFVxUVdNbFp5WEpfNHFaVUlCR3Jld3NiME0xd3BCbzR0VW9oVHZuRFd4MEZqZW42eXpKeWhRZFA1ZjJYUzRacFdDMmJvcnp6MVJ0TEpiY2NwZDFGd1ZyOXN3NVNnTmZNWk5KbTJTMEZBZjRpN1RRS2pNUWtlNDRMUjFjVV9ocWpXTHVaSUEta2MwbjZwNDd2M1BKUQ?oc=5) · Arkansas Business
- 2023-09-18 [Union Bankshares of Mena to unify bank name under charter - Talk Business & Politics](https://news.google.com/rss/articles/CBMilgFBVV95cUxPeU5qWlpzVTV0N3BXQS1HdlA3XzBqUGNWb3dDdDFrY29yYXdZQ1lBZk9ndXBWMXlmUVE3am1OVnBVakEzN0p5NkRPUHlkb09JWlNTMkdjM2tiRFdMUWk4bFFXTF9GSVE0YWhieUI4bXdrbTEtd2I3QzlnaW8wQ3NMRGNHMlVjVHdUaTRCM2pmV1pfd2docnc?oc=5) · Talk Business & Politics
- 2025-08-02 [Union Bank Announces Opening of Full-Service Branch in Russellville - Resident News Network](https://news.google.com/rss/articles/CBMiogFBVV95cUxOb2ctTlI0SFd6S045RVV3SGg4WmlaZXRZa3pLdVItUVJEbzVpUW5YOTJyUElUNlI3eW5hNnBYUGhSeE9LdTE3VU83WUxYOWFtZzkyVTgtamNibW1lbndTaEZNUnNLRDUxejdhX3hTSkJPdzhSY0xmemJuclZnQWZtSWlOY2VKMWNnUnl1T3UyY2J4QzUwQXM1RG9ZNzk4QXJKZXc?oc=5) · Resident News Network
- 2019-09-29 [Union Bankshares Inc. changes leadership - Southwest Times Record](https://news.google.com/rss/articles/CBMiowFBVV95cUxONkFteTQxaG5UVHVxWGc3bXRPVmV3MkRDZGRoeGRucEZDM3JFWkZLd2MwZDFKQVdOUXpiT1VVYl9zU2UwVVFhZUVlZ3pzU2hKTWNkVWpaVGVIbTJKUlh0emJtVmd5YnRXbGtLUVE4SE1sRmdrQnFBcU5GRlI2cGpwZ0Z5QktoQ1RDLUZGRkxqQk1FTXpUYUp5TzgwZ3VwWmdlV1Zr?oc=5) · Southwest Times Record
- 2022-03-04 [Credit unions buy Wisconsin, Arkansas banks - Banking Dive](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPbGZoaVVJb1duQWpnVEpaMnNON0lVTWRTbENTekRZelh5a2ZVb1hwajVlRUZJZ2tCT050S3ZWand2MTZDbFNfeDVELWllR21WSk00RDNjaFVFeUlxUHVWTG9Td3hKTkVvUHJ2R0VBcE9ZODBKeEJ0OW1DdWc1cmFHZnBsR0ZGamcwTkN3?oc=5) · Banking Dive
- 2025-09-12 [2025 Paint the Town Green and Gold Winners Chosen - arkansastechnews.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOZUJOYUh2bEpyOHR4aVVvUG02S3JXRXZjQjVCSVhwOVFYWVVrdnc0VmhRV2Z0V196Nl9SbElpLXd3SkZxMUJoaVpNaHhPQS1Fdi1NUWlNVTBYcmtOdFYyNlRvM1hwSU9GVWJUVWlpX2NhTGhEc1VaVTBlaWJzc3IzWFR3NlpoelpHSHFB?oc=5) · arkansastechnews.com
- 2020-09-30 [Union Bank of Mena announces staff promotion - My Pulse News](https://news.google.com/rss/articles/CBMieEFVX3lxTFBmekJzWUdic2hQQmpIUkc0a3BWOW1RNGVYcXN1bno4cV9vYnRtaG0wUGVURVBlNG9tT1h6ZjdydlA3WGgtRy1ydV9qbFNyblJidzFOSTlwaGtKWm9CaXRkUlZGemhkcWxlckozM1ZRSkVhYm12ZUhteg?oc=5) · My Pulse News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14597 (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/5.json (key "14597", 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