# UNION STATE BANK
KEWAUNEE, WI · FDIC certificate 14790 · asset band <$300M · latest filing 2015-09 · 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 | $81.9M | |
| Deposits | $72.5M | |
| Loans and leases | $48.5M | |
| Total equity | $8.9M | |
| Loans / deposits | 66.03% (p37 of band) | 73.61% |
| Liquid assets / assets | 36.97% (p59 of band) | |
| Uninsured deposits / deposits | 8.50% (p26 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.57% (p48 of band) | 10.70% |
| Unrealized securities loss / equity | 1.75% (p65 of band) | 0.86% |
| AOCI / equity | 1.26% (p88 of band) | |
| ROA (annualized) | 0.24% (p13 of band) | 0.84% |
| Net interest margin | 3.56% (p46 of band) | 3.64% |
| Efficiency ratio | 92.34% (p88 of band) | |
| Noncurrent loans | 1.53% (p72 of band) | 0.69% |
| Net charge-offs (annualized) | 0.11% (p78 of band) | |
| Reserve coverage of noncurrent | 88.26% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 17.36% (p53 of band) | |
| Auto loans | $1.7M (3.42% of loans; DQ 0.84%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.9% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **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 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | capital falling | uninsured deposits leaving |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | expense ratio p90 |  |
| 2014-06 | 3 | capital falling |  |
| 2014-09 | 2 |  | reserve under noncurrent |
| 2014-12 | 2 | reserve under noncurrent | capital falling |
| 2015-03 | 2 | charge-offs p90 | expense ratio p90 |
| 2015-06 | 3 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2015-09 | 4 | assets shrinking |  |

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

- 2015-05-08 [Baylake agrees to buy Union State Bank - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQa3JjSDRtVjJocmcweDN5eHNPdHRZSTcyZmo4QnViZTczZE5FREhIbkttSzR3dFlwaE1wRHZWZV84ZFU5UXZCRHBLSUROMG9VbjdfYjlkdGVrNEpRM3JsejgzcXlWTFd5dVNtM2NrWGJqUFNRbXZjS2lzLWpoQ00xZjVoRGFqRkNlaDFhbl9uREI1cGJ6bWU4NkpCbG5JZ2xTdGxqQks0SHE?oc=5) · Green Bay Press-Gazette
- 2023-10-06 [Amery’s biggest crime to date: 90 years since the robbing of Union State Bank - Amery Free Press](https://news.google.com/rss/articles/CBMi-AFBVV95cUxPR3hpc3JyMmNTNXk2NUpKTzBRYmZTZ3ZVQ3h2aHh0X3hkOVRKTHc5d2o2dDZoWms1Y2l5a1ZTcmlRWFMxVG91LVBDTkJEQk9fSDZSV19mWUwtYU44MXhtSktpZVJLZU1KNGFzbXdZZDA5RFdmSWUwa3NNeURtZUhGek92T0l4N19NTEtFZWF0U2xWWlRjU2hWVy1LRXdwYm5MVGNzWjBLdU9KWmRXYklReF83aWNuR3VRVTBVZjJMVi1YM0tNLVdmcUFMRVFLbDdTOWU5MWc4Y2Q2SzEteGJ1N0RzTzNNVUJLWF9VZkJHclQ0NU9HcnRVbQ?oc=5) · Amery Free Press
- 2015-12-07 [Baylake purchases Union State Bank - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMipwFBVV95cUxNTHBqQ200Tks2SWNZWGg5Z0Zkc2RORTlsZWdXemVWWFdObEJtUVlqQkRJYmxUUk1IVXpVMnNMdmJScl9ETWNYVFQ2ZW9MNzN5QW5HWlBuX0RsR3dNM2NGLXVqN1VOSVpfYURLRl9xZWNBMFQwRmpIYWIyWk5RRGZSNDFVS3MxMFlzcHBid2VQN0VSdGNCZlBuYjZzaWZKZnJfMm1fNUlaNA?oc=5) · Green Bay Press-Gazette
- 2016-06-09 [Architect used Prairie Style on Central Minnesota banks - St. Cloud Times](https://news.google.com/rss/articles/CBMirAFBVV95cUxNMXIwUXVocERqM2lYTmM5aTdnNjVUZmo3R3hEell0OWZMWnBWVWdmOVNxZG9ndE1keHpOY1owd1pMYUd1RldsbXlfRGxhc3BhR2hpQXoycXBRTWdOR3NwTk9JQ2xRVVFpNG5zb2xpWnZzeFlLWDd5WGZkMEs1OU9KMHZWSll3TDZBMTYwb0dXczNJdDNXRHN1VWFOUWJIZFQtS3VFRXNram9nZkYt?oc=5) · St. Cloud Times
- 2013-08-14 [John M. Jarvi Obituary Aug 14, 2013 - Newcomer Green Bay](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBOYkpaS2o3T0FqSTI4MXFfa1ZMVlBoZ0NSQkt0SXkxSU9VeUQ3Z3NGT3AwRXh5Z0dTdldxUnNQYWUtMjZqRERsOWtHV094M3BaQWFBV0s5RmZUbGJjM2tCbXl0Y0s5ckk?oc=5) · Newcomer Green Bay
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2026-03-18 [OFF DUTY WISCONSIN FIREFIGHTER TERMINATED FROM HIS FD FOR DRIVING OVER A FIRE HOSE AT A WORKING FIRE….. - Firefighter Close Calls](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQc3Nvc01VaGpobDN1ZGlkc2E2UUwyU1VsNW9GNEFxOHpTRUVUenZjcmhHdVR6Z0RUWWdiRlVZMEV0V1cyWkdjWVV4RERfOEtsYTJsZmF6XzVUVDBCM01xNXJDUTZ2eDNGMFJKdmNYY3owcmRTakhwT3JkeEFRbmlwNVgtSXk4dVRCbUJvbmR0aXU5RG1VSkdQZTlNWGh5WVFna2JweTdpQzdRMkZtVU90R1NqazVFVmUyS1l1dDVjOUUyV0pqVDlIMDNQdWI0YV90T3I0b0Jn?oc=5) · Firefighter Close Calls
- 2021-11-05 [John Jarvi Obituary (2013) - Green Bay, WI - Green Bay Press-Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxNaWdyeS04dWs3akYxMFJXQVlvcTE3VmswZkhqTEFwWEpTVTQtYmNYVXBwY2Zlc2ZJdEE0SC1ZNV9zOUxwNlFtbklnVHd0ZVM4bHRVUHpYeG5fN3JtUnhoMENZWlJRVFVPQ2VDcnFjV2U4QzdFc3diaTlCYms0MWd1bndQWXB5OXZqaG5LWllhYWtIb1hodjFZSg?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14790 (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/6.json (key "14790", 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