# UNION SAVINGS BANK
DANBURY, CT · FDIC certificate 18190 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $3.30B | |
| Deposits | $2.55B | |
| Loans and leases | $2.39B | |
| Total equity | $326.2M | |
| Loans / deposits | 92.62% (p67 of band) | 87.10% |
| Liquid assets / assets | 21.12% (p50 of band) | |
| Uninsured deposits / deposits | 22.67% (p23 of band) | 30.76% |
| Brokered deposits | 2.27% | |
| Wholesale funding | 13.36% (p75 of band) | |
| FHLB advances / assets | 1.52% | |
| Tier 1 leverage | 11.48% (p69 of band) | 10.50% |
| Unrealized securities loss / equity | -27.46% (p11 of band) | -7.75% |
| AOCI / equity | 0.06% (p82 of band) | |
| ROA (annualized) | 0.81% (p20 of band) | 1.26% |
| Net interest margin | 3.10% (p19 of band) | 3.70% |
| Efficiency ratio | 69.65% (p78 of band) | |
| Noncurrent loans | 0.29% (p32 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 354.80% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 32.81% (p33 of band) | |
| Auto loans | $636,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 364 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, wholesale funding >15%, leverage <7%, reserve under noncurrent |  |
| 2011-06 | 3 |  | leverage <7% |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | uninsured deposits leaving |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 5 | expense ratio p90 |  |
| 2013-03 | 3 | assets shrinking | loans exceed deposits, uninsured deposits leaving, expense ratio p90 |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | assets shrinking |
| 2013-12 | 3 | expense ratio p90 |  |
| 2014-03 | 2 |  | expense ratio p90 |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | assets shrinking |  |
| 2014-12 | 3 | loans exceed deposits | assets shrinking |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | wholesale funding >15% |
| 2015-09 | 4 | wholesale funding >15%, noncurrent p90 |  |
| 2015-12 | 3 |  | wholesale funding >15% |
| 2016-03 | 2 |  | noncurrent p90 |
| 2016-06 | 2 | noncurrent p90 | loans exceed deposits |
| 2016-09 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2016-12 | 2 |  | noncurrent p90, wholesale funding >15% |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | loans exceed deposits |
| 2017-09 | 2 | loans exceed deposits |  |
| 2017-12 | 1 |  | loans exceed deposits |
| 2018-03 | 2 | loans exceed deposits |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | loans exceed deposits |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 | noncurrent p90 | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 4 | NIM <2.5% |  |
| 2021-12 | 3 |  | capital falling |
| 2022-03 | 3 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | reserve under noncurrent, noncurrent p90, NIM <2.5% |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | deposits shrinking |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | wholesale funding >15%, uninsured deposits leaving |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 | capital falling | uninsured deposits leaving |
| 2024-03 | 2 |  | deposits shrinking, capital falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | wholesale funding >15% |
| 2025-09 | 2 | wholesale funding >15% |  |
| 2025-12 | 1 |  | securities losses >30% of equity |
| 2026-03 | 0 |  | wholesale funding >15% |
| 2026-06 | 0 |  |  |

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

- 2026-04-20 [Buying a Connecticut home? Another CT bank has up to $40,000 to help - ctinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPYVB1VWM5VWJRZHVrelFnVGx2VkltSnFUcGVZc01wSnpMUkUtOE1ES21feEhJZG8zWG10dTBkY1dLUlNSaFNWTFlmR1dWR3FEVWFxaVVGMHg5OWs1R3NJN3hLT1pHeWJhM0p0VW5KSEw3dnkyb2Y4R2kyUlM4ZUpSMzFYQkN2T3RyRjg3b2VLaHdBU1BPWVc2cEFhX3ZZUkZZd3c?oc=5) · ctinsider.com
- 2026-03-02 [Former CT hospital system CEO elected bank board chair - Hartford Business Journal](https://news.google.com/rss/articles/CBMilwFBVV95cUxPeTh0ZDd5bG9VRE8wbUtEUHkydDdXWnJWOXdlVDc4VG5Pc1ZldEVvR3FjZXBoX2kxMUtKVHJSVkFfLW05YzFTQk93eDdIVmNuYzZ3OUl4XzdJUTllUkJtZnBSRnEzekVjVXFOVzZpRFg4WDJnUG1vX2hZMm5uSHRvZlpkTUhkbDNjUzJka252ZkowNkgtekgw?oc=5) · Hartford Business Journal
- 2026-07-10 [Union Savings Bank Foundation awards record $693K in grants - Westfair Communications](https://news.google.com/rss/articles/CBMinAFBVV95cUxOYWg0NFQyQ2Zqdnd5QnM2ZkZWSGJkeXZBemkxdmwxa2k2aWg2aGdCQkY5NUpiRzZMbUNzSDBlQ1VXTjk5LS1LOWlnVTlGZlBaSTVEQTZaWkl2dzlOblQyOTNxYVF5eTc5U3VnU0JtTEx3dEM5c3lWNWZyXzlyc0lVRTFCYzlQUkRSb0JnaWRoTXYtVkx2dlZ1TzRzTUs?oc=5) · Westfair Communications
- 2026-01-19 [Community News: Union Savings Bank donates $5k to Monroe Food Pantry - The Monroe Sun](https://news.google.com/rss/articles/CBMilwFBVV95cUxNZGJCNkowa1E4Z0JRSzRfb2VWeGN6TF9UMXlIazBkQmRVMWpZVGhoM1hOUFVaanNwYnNvUHFJYnZmTzYtaHpVRGt0OENNeUVxTlJjZTNnVUZrMGg3Qkp0TlRWQWt5UlF0eVRnYlpvUDI4Um9jN01SNVJGRk5MQjhFNHNNWWRwZERMWWdyZ1dJYjVtT0tFMTNF?oc=5) · The Monroe Sun
- 2025-11-14 [CT bank launches youth banking program with high-yield savings - Hartford Business Journal](https://news.google.com/rss/articles/CBMiogFBVV95cUxQdExVMzVjaDh6YjlITFJvUTkxLV9sM2VNTjV5VUJYQ3N0S2loLTZ3blZEQVdEc2pKSW1IZm14aXd0LUNpZG5ncUJmWmNfRGNqZ01ONUFUd20wVUxobXgxUElTcG1CMmRzbndRQVNoeG9qS3NxWUtWRmtiVm8wSWVTMmZRMEpKOUUtblhYNlgxV2tVMTZSZmRMNG5nTjNEMVBjV0E?oc=5) · Hartford Business Journal
- 2026-06-17 [Forged driver's license helped ID suspect in Newtown bank fraud scheme, police say - newstimes.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPeWxWX295YUpZb0dBdk5FUV9USE81WXdtd3lCNWZmQ0FaLVQtaFVwM3hWa3E4clhFQVpTdVQzNmM1aDFIUTJLeGJuaDByQVJYclRDZGZMWjdldE5YWTh5VnhPWG9BZmRsUXRla1Z2SERjTTgwNWdsNWhqRkVPOHF6Wl9FMmNxWG0xYjN2UEhoaFA4ZGh0bTlxV1NB?oc=5) · newstimes.com
- 2023-07-29 [Union Savings Bank opens first Norwalk branch, donates $5K to Open Doors nonprofit - Norwalk Hour](https://news.google.com/rss/articles/CBMingFBVV95cUxQUUh1MUhxZ0VYUWZieXZMWGJFcVpqelo0VHFPZUFydTdtWm9YWU5HbzR5WWJiMGhwQjA1RFBael9HTWFrWm5xbmIzUnVIMEV2VXplUElDcUZJSlFzV3Bod3BCOGhlUkZBdWFUY1NELWFnMzdCTHF4YXF5bHU2R0syYWRWOFFta0NuNTdHSXFkNkpxQWJlNlBWVEVjaHVaZw?oc=5) · Norwalk Hour
- 2025-05-05 [Union Savings Bank Selects Six New Corporators - newtownbee.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQbC1wWllQRFVCMHdDR1h2bldhUy1wLVJUMER0enM4WV9OdTBpc2dKUkVWcVRiSzZHUG9lUUI1Rk1ScXlueFV4ZEVfQzNOM0ZPWTNwN181aTBhMy16cTBzRkVPZ2l3VXJIeW5vVUkyNWJpYmNhOVM4bXp0Uk1YQl9rMk9xSkZ1ZExjMC1Z?oc=5) · newtownbee.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18190 (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/14.json (key "18190", 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