# UNION BANKING CO
WEST MANSFIELD, OH · FDIC certificate 15326 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $54.5M | |
| Deposits | $45.4M | |
| Loans and leases | $8.5M | |
| Total equity | $1.3M | |
| Loans / deposits | 18.48% (p5 of band) | 73.59% |
| Liquid assets / assets | 80.32% (p96 of band) | |
| Uninsured deposits / deposits | 27.83% (p77 of band) | 19.81% |
| Brokered deposits | 0.61% | |
| Wholesale funding | 14.67% (p91 of band) | |
| FHLB advances / assets | 14.07% | |
| Tier 1 leverage | 10.77% (p36 of band) | 11.76% |
| Unrealized securities loss / equity | -390.92% (p0 of band) | -6.57% |
| AOCI / equity | -10.23% (p0 of band) | |
| ROA (annualized) | 0.24% (p10 of band) | 1.17% |
| Net interest margin | 1.98% (p2 of band) | 3.93% |
| Efficiency ratio | 87.03% (p87 of band) | |
| Noncurrent loans | 0.67% (p62 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 147.37% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 55.69% (p82 of band) | |
| Auto loans | $65,000 (0.77% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.1% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 4 | AOCI drag >20% of equity, assets shrinking |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 2 |  | AOCI drag >20% of equity, assets shrinking |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | noncurrent p90 |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | noncurrent p90 |
| 2016-06 | 3 | noncurrent p90 |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | noncurrent p90 |
| 2018-09 | 4 | AOCI drag >20% of equity, noncurrent p90 |  |
| 2018-12 | 1 |  | reserve under noncurrent, AOCI drag >20% of equity, noncurrent p90 |
| 2019-03 | 3 | capital falling, reserve under noncurrent |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | reserve under noncurrent |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | NIM <2.5%, reserve under noncurrent | capital falling |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | capital falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 5 | assets shrinking | wholesale funding >15% |
| 2022-09 | 4 | wholesale funding >15% | AOCI drag >20% of equity, securities losses >30% of equity |
| 2022-12 | 6 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2023-03 | 4 |  | assets shrinking, AOCI drag >20% of equity |
| 2023-06 | 7 | capital falling, noncurrent p90, construction >100% equity |  |
| 2023-09 | 3 |  | securities losses >30% of equity, capital falling, noncurrent p90, construction >100% equity |
| 2023-12 | 3 | securities losses >30% of equity | reserve under noncurrent |
| 2024-03 | 7 | AOCI drag >20% of equity, construction >100% equity, deposits shrinking, assets shrinking |  |
| 2024-06 | 7 |  |  |
| 2024-09 | 3 |  | AOCI drag >20% of equity, construction >100% equity, deposits shrinking, assets shrinking |
| 2024-12 | 3 | assets shrinking | securities losses >30% of equity |
| 2025-03 | 3 | securities losses >30% of equity | assets shrinking |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 6 | capital falling, AOCI drag >20% of equity, expense ratio p90, reserve under noncurrent | wholesale funding >15% |
| 2026-06 | 3 |  | AOCI drag >20% of equity, expense ratio p90, reserve under noncurrent |

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

- 2008-10-31 [FBI: 2 Bank Robberies Appear Related - 10TV](https://news.google.com/rss/articles/CBMirwFBVV95cUxQcVRkdk9wMGdNSUtTRmd3TFRKVU9LRGJZWThIRHFjY3VKOHpUaGV3MFRWZ2tqUExuOEJFbVhNNzF1bFlTVnBOLWxwMTJSV1VlbkEzQ2RzMzVyRWIzVmlMdnFlbk5FYmZKaWloUXZyLS1ZSDYtbWp2a3FzclpGSzY2WmNSR0lNX2NZeGI3akwtZm9JU1Z2ZV95YjRzNGNUUno1ekRUOU1hUmluQjE0YnU0?oc=5) · 10TV
- 2016-04-11 [Gargoyles in Alabama: The funny, fantastical faces of historic architecture - AL.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE53a1BaSG84ZUtWTDlZLTlVVjRMcGVKbzF0Uk9Cclh1aXJveFpRWWoydUJyMmxWMjVQUzNFY0Q5TjFxc3ctaXZUbWlfZ0dWRFhsQlhhRThlbjNYOXoyTTdEb1c0RGlGOGZPU21nenlhbHFIZUxBV0p0Sg?oc=5) · AL.com
- 2013-07-17 [Historic Huddersfield banknotes up for auction - Yorkshire Live](https://news.google.com/rss/articles/CBMipwFBVV95cUxPMXRIR3pXdWtQQnhXbEpWa1ZhMjNBS0hNeXQ0MURjby1XeGpJWDlDODY1NTlGYm1Uc2dOLXV2TzF1YjUwZUZBbjNLYUc4Q1JsSktMWXEySjlubktmbVhwOXNjUG9ydXd0b09EcXJaNFJZR2RhdmxHM2JkM3pWMGJQV1JlUkh2eldwdFkyNUtDcjBIS3dDV3hZZ21KLXU4dVcyZlVmSHFVNNIBrAFBVV95cUxNamdybjhna2FJeU43Wi0tZWEwRmJFQ3IxUE96T0xBdWhyY3UtTHd0c0ZYdEQwR1VyUXBDcGtWaGpncm44TVBxR0Q0OUtUYXhuXzR6bWNTWG9CZkpmTDZ6OEdlMzZhTEpTY3Q2ZGc2Z0VZTFRWOERNT0Zmb3NQVnRrM1o0WmJQUFZ3clVmNERxTjJRM09JS19aSFVrOE5xbGNRV3FTUkRtRE9ZNWxJ?oc=5) · Yorkshire Live

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15326 (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/30.json (key "15326", 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