# UNION BANK INC
MIDDLEBOURNE, WV · FDIC certificate 16620 · asset band $300M-1B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $415.1M | |
| Deposits | $376.7M | |
| Loans and leases | $172.5M | |
| Total equity | $34.8M | |
| Loans / deposits | 45.38% (p5 of band) | 81.53% |
| Liquid assets / assets | 54.04% (p94 of band) | |
| Uninsured deposits / deposits | 40.55% (p87 of band) | 25.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.36% (p27 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.03% (p15 of band) | 10.58% |
| Unrealized securities loss / equity | -29.62% (p12 of band) | -7.83% |
| AOCI / equity | 16.47% (p94 of band) | |
| ROA (annualized) | 1.82% (p85 of band) | 1.16% |
| Net interest margin | 3.37% (p30 of band) | 3.74% |
| Efficiency ratio | 48.27% (p11 of band) | |
| Noncurrent loans | 1.70% (p87 of band) | 0.37% |
| Net charge-offs (annualized) | 0.02% (p58 of band) | |
| Reserve coverage of noncurrent | 52.21% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 10.91% (p14 of band) | |
| Auto loans | $1.8M (1.05% of loans; DQ 7.81%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.1% | |
| Employees | 61 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | leverage <7% |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 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 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 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 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity, charge-offs p90 | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | uninsured deposits leaving |  |
| 2023-09 | 3 | AOCI drag >20% of equity | uninsured deposits leaving |
| 2023-12 | 3 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | reserve under noncurrent | charge-offs p90 |
| 2024-12 | 2 | capital falling | reserve under noncurrent |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 2 | reserve under noncurrent |  |
| 2025-12 | 1 |  | securities losses >30% of equity |

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

- 2026-01-26 [First Community Bankshares, Inc. Completes Acquisition of Hometown Bancshares, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNNDMzV1NwLW1PSUJiVDB4Y2N1NDJkYWt2S21pRWpiUEZfT3JjRWduVl8yOUNBTHFyX2pjSkdpWkdFNzVPb3I4bjk5ckY4bkJYejVWQlQ4SnJDbXg1WlBrMHNLSS1DWmRwcmtJYm9lQldsU1RMNFBuU1kzT1c0VVM2OFp1T0o1VG9yaGpmMVoxOUhUX1oxU0xTSC13U1luQ3FlYWNveHNBQS03aVdsSDMyakdrN0c1NzZRdE5WV0IxZmplZU52WmhkVzlJemZncFB2MWp6bTVELWotWUZrOTNSYVhLS09TRldkSTdR?oc=5) · GlobeNewswire
- 2025-07-30 [Banks Merge - wetzelchronicle.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE5XM1RQRjRtc2tSd19VeDR3Wl9hNG1wQjlJT0hDS1lHN2tRR2l2bjlIRXE3RTZ3UHF5YnBnRzJRYVhxNDU1UC1fMG1UWTVZQVh4NkxLUjFZM0wtYnNRY0N5NE1fTmEyeHhPN3Fteg?oc=5) · wetzelchronicle.com
- 2025-08-11 [How Crypto Custody Services May Boost Bank Income - KBRA](https://news.google.com/rss/articles/CBMipAFBVV95cUxQU0ZZTUJ2MVZJZWlOU2YxVkFKWGR5QXljOXZnejJrQTZ0enlTZFZxaFpfOElnS1Q4X1FOLUw1Z21iSXhwZldZXzJXR0NRNmVJVG13Uy1MdDkzYnE3SmhxRThDZ2liX213YkZJVmllNWdXSDZjZ3FLS0NsaUl0U3pvOEo2RnlQdHprVmlTcDMzYWx4ZG8taUNjUVRHS3V4Q1VMVWIwaA?oc=5) · KBRA
- 2025-07-21 [First Community Bankshares, Inc. Announces Acquisition of Hometown Bancshares, Inc. - Yahoo Finance](https://news.google.com/rss/articles/CBMijwFBVV95cUxQeHktZHpMWGxueXpKYS1ZdjZSeDZKZEJOcU1qdjNkYjI4UzJNNjRtUHlMSVpwSmhlbG5EVGpqdkxsa2VqbndQRkZ2TmJfLTdFZllTOXVaakYtcE5aNlNyUU9MM1hPNHhIWVFxV0ZYT2pxRjBkcUx6czZPdU41QU5Ldm5WTW1WVzRKcFd0OElaQQ?oc=5) · Yahoo Finance
- 2025-10-07 [Wood County Courthouse News: September 30 through October 6 - The Real WV](https://news.google.com/rss/articles/CBMilwFBVV95cUxOTFZXd1JkNElXcGhGSmZyTFlDNmlnZVVTN21PcHpNak5BMy1IZVZKOTRxOEhrTlFCcGl0YVNYdTVSNktTTUQ3V19aNlJJSU1peHVnVXlQY21wOXlteU1OMEVjYTdGT2E1SjdWdE4tUk1WUHRFLTZBVmNMdk9odHcxQmFILUdfNmt5dUs4c2RYUjUyN0J1RFZB?oc=5) · The Real WV
- 2021-10-13 [Chili Open Golf Tournament was a Huge Success - tylerstarnews.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOc2x1M0lybnZFY00zUHVxYjVQM01kdjdoYkY3bVI1RnJCV2lHUFloUHhxWS1mQjM1aWtTNTlyWUlLRHoxOHV5dWJyektlYUY4ZzFtUWx4aW9Xc1REREFlaG1vT0JRcHotRUNDcXo1YmZoaUhjek5SVTJtZU9ZeWJfT3FxYlVfNzUySEd1YnJFdkluVXBVQUoyaEplZUNydVVvOGRpeWtuVnhiVlE?oc=5) · tylerstarnews.com
- 2025-03-26 [Wetzel County 4-H FFA Ham, Bacon, Egg Sale Raises $94,795 - wetzelchronicle.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPdjhXdkRXV1Z5ejNTVUtaS2FhbHRfd1RHanktdlE5YWpMcjNud3lBWTRkc1pTY2ltYnZUSDZaQXlFMXMtSzNJbENDZDA2amVmWWdvWmhiWjJXUm4zOHktOV9DeHlmYjk3VlU3Q3phZnJENDdBY0kycld0N3I2TWdBSVg4OTRvSEpnODdSZ211Q0pDdTBVRUJGeUE5S0NaSHhxT2kzTg?oc=5) · wetzelchronicle.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16620 (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/44.json (key "16620", 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