# UNITED BANK
OSSEO, WI · FDIC certificate 14629 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 1 (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 | $269.0M | |
| Deposits | $227.5M | |
| Loans and leases | $203.3M | |
| Total equity | $29.7M | |
| Loans / deposits | 88.43% (p69 of band) | 78.40% |
| Liquid assets / assets | 20.37% (p29 of band) | |
| Uninsured deposits / deposits | 29.04% (p89 of band) | 15.34% |
| Brokered deposits | 0.09% | |
| Wholesale funding | 3.95% (p59 of band) | |
| FHLB advances / assets | 3.86% | |
| Tier 1 leverage | 10.93% (p44 of band) | 11.34% |
| Unrealized securities loss / equity | 0.00% (p93 of band) | -3.15% |
| AOCI / equity | 0.55% (p99 of band) | |
| ROA (annualized) | 1.14% (p58 of band) | 1.02% |
| Net interest margin | 3.90% (p55 of band) | 3.82% |
| Efficiency ratio | 66.73% (p43 of band) | |
| Noncurrent loans | 0.42% (p44 of band) | 0.57% |
| Net charge-offs (annualized) | 0.01% (p50 of band) | |
| Reserve coverage of noncurrent | 241.06% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 36.70% (p70 of band) | |
| Auto loans | $1.7M (0.84% of loans; DQ 0.88%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 65 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | brokered >10% |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 2 |  | uninsured deposits leaving |
| 2012-09 | 1 |  | wholesale funding >15% |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | capital falling | reserve under noncurrent |
| 2014-06 | 2 | reserve under noncurrent |  |
| 2014-09 | 0 |  | capital falling, reserve under noncurrent |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 1 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-07-18 [Robert Thomas retires after 44-year banking career in Marshalltown - - Times Republican](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQMXVxTXItU1NsdXRZN0xORDdVM05WNmhMM29CU2s4MjFrY21EeGRuNm9iazBiZDJVeDk4MUhrakttWmxGWDg4Um85MFJlcVVoa0dRd2N0V2F4Mk14Z0llQmRpZ3V0d3FlUVkxU2lrUzBVU0Foc0hMTXJqQ3RWZXprUXZOeko1NVlmWnBEbEdNZjlmZ25Hck5ZeUl0UkVGUTJlM2hOMVFfdXV2c2R6Z3k0UGdraGtEQ3Z4ZVZxRklsTXgyQQ?oc=5) · Times Republican
- 2024-05-14 [West Virginia-based United Bank to acquire bank located in Georgia - Charleston Gazette-Mail](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOZ2trRHJhT0IxYkFwbUJwSzdLNEg0UlRKV2pTQWdGXzZZSTZmM21mb0xGQnlMWmYwaWxvRG5xMzNlWTYySGhXVG91eXhUaTZyc2pHQ2VycWRvaHJLNDJfNWloQklBOHVlQ05MclpieW9CZUhQY09GUS16TTA2R2dIckhsVnQ4NjNjMmgxMkxzWTNZM0VpeUNfZk8yNUFRTlF5MmgzRFdBaEI3WG15aGJGSkFxWXVRZzY3UDlZcVZzZWp4QUh3M1dCNm5uclpqbDhFSloxbVpfRXFEMGlFN0F3eXVCQ3ZJRXFiZ2Fn?oc=5) · Charleston Gazette-Mail
- 2024-02-28 [United Bank Celebrates Black History Month with Spotlight on Amy Goumbala - The Washington Informer](https://news.google.com/rss/articles/CBMihwFBVV95cUxOcjJxWElSbkl6WThxaTRFRF93cHRqVHo5Y2RNcllpTmRyOG1YUFc2WlA4MDR1NlByTnlQTUFMZUxFVjhTeUR2TWhYYk1fWUlTY3RPV21xZW9XZ1dtQUZWaGhaYXJtUVpFN0dnelBNME1sWXc3UXlIbWsxUXVRSXBpSkZfdjdZcms?oc=5) · The Washington Informer
- 2023-10-26 [First United Bank & Trust - Maryland Daily Record](https://news.google.com/rss/articles/CBMib0FVX3lxTFAtc0J2WXowWEVNMWtEXzRoeFZmM09VZGxqUU9HX0JHUTMwQlE4RmQzSDBuY3l2WTExdm9RM09zV0tOREI1ZzViVzBGc0JUZXEzTU9kY2U2aFprZzRnUXRiSEtNOEU4cEE0M25oOGlsNA?oc=5) · Maryland Daily Record
- 2019-09-03 [United Bank announces Kuns graduation - Richland Source](https://news.google.com/rss/articles/CBMihwFBVV95cUxOVDhYWjdOT3ZoQnFNd0JCYXBHa3NwalZjbHowX1c4WVRzckgxekhGbFBGZTN2MEViNGp5QTFwVWxoVG9pcnlYZUNaaml4TEZkZ3lCNmpGMUtSVTE3cEdSTWhYRFo1MFV3aU5xdEVSYllfZ29fWUtGMmJLWmI3ckthemRPWV80Rjg?oc=5) · Richland Source
- 2025-01-14 [Northern Virginia-based United Bank completes its 34th acquisition - wtop.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNWmRNaWFuREVJcmtwZ0NlMXo4Z2ZVc1Q1M21KNUFyNlV5WUFVVUk2S1k1VjJtNFJGc0kxanVqNHV2dzczT3dYdElzVWllSFYyRHY0MW83SUZUeW1NMWJPOGJUbHlCeFJDSkItb2d6MFN2S01kY2NfQS0yRXV6Y3MtUmlKMjNBN09FMFljbXhtMTBqMkh2NGhqQ1o2aUhDRXlYVFA5cDhicGpwRDQ?oc=5) · wtop.com
- 2024-12-20 [United Bank named Business of the Year, celebrates 185 years of West Virginia roots, national growth - WV News](https://news.google.com/rss/articles/CBMihwJBVV95cUxOVm5ySGRoUURvY1JJTVFlVlJraWdGOUZGdW8zczZ4SjNHRHpoT1cwZ1hoNjNwRWFtLTV4elJNZGNTcUY5d2VNbEM3TWNDOW9sNmFDOEoySWRhQUxoV25fN1RaamczQXBtc1B5OTcxd1N2OElCeDk0NWhNVE9CZEtMWmh2eEpxTFBhWVc4Ul9kcG8tZ3JWcjFEN1BSX3JhNi1SYTV6NkRURnZwRzYtTzY4U29xcDJJaXJVNTVieUdKbmt4T2l6X1pVVldkTldfTnFia3FsSXZfRFNKbThmMUc4MVBsSFduN2JxcWVOZEdLaEE1NDV0Z0ZUaGpzaENuc01oOHdyWVREbw?oc=5) · WV News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14629 (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/37.json (key "14629", 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