# UNITED BANK
ABSAROKEE, MT · FDIC certificate 18772 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $73.9M | |
| Deposits | $62.9M | |
| Loans and leases | $36.9M | |
| Total equity | $8.4M | |
| Loans / deposits | 57.29% (p26 of band) | 72.67% |
| Liquid assets / assets | 46.34% (p74 of band) | |
| Uninsured deposits / deposits | 11.14% (p40 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.09% (p56 of band) | |
| FHLB advances / assets | 0.39% | |
| Tier 1 leverage | 11.33% (p62 of band) | 10.53% |
| Unrealized securities loss / equity | -0.11% (p32 of band) | 0.18% |
| AOCI / equity | 12.88% (p100 of band) | |
| ROA (annualized) | 0.29% (p16 of band) | 0.82% |
| Net interest margin | 3.41% (p38 of band) | 3.60% |
| Efficiency ratio | 90.31% (p85 of band) | |
| Noncurrent loans | 0.00% (p14 of band) | 0.74% |
| Net charge-offs (annualized) | -0.01% (p23 of band) | |
| Reserve coverage of noncurrent | 89900.00% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 22.47% (p60 of band) | |
| Auto loans | $1.6M (4.39% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 24 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 | capital falling | uninsured deposits leaving |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 2 | uninsured deposits leaving |  |
| 2015-06 | 0 |  | capital falling, uninsured deposits leaving |

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

- 2025-10-10 [United Bank hires Charlottesville market president - Virginia Business](https://news.google.com/rss/articles/CBMijgFBVV95cUxNMmN1bmotbVV4YzlDNnZMZk5BajFVTF9Wa05JRUhERmU3RUV3Q0RpeUV3OEN4cEVJa2ZROHlDZnlhSlJIS2xhSzZiTWhheEdqVy1iQWk4R2YxN3g1UHctM25pSjhPYnozYWNfUnE5SWM2MXFfQTdRR2FIUHFQM1IzbmZEUy1qTU16YU5YRkNB?oc=5) · Virginia Business
- 2025-11-24 [United Bank promotes Gurtis - Post and Courier](https://news.google.com/rss/articles/CBMixgFBVV95cUxQS0h6U3k4NnllMzZHRk5ScmhIZkdmNzRPUHVqTWEtajVTMW9VcW9ZSUJZZVVHaHExdTFILUdnLXdHaEp1dVJsXzVYUnBFaHplemNDdHFQZjhrTG1oaGFEZmpZSmVhbmJxWEhQRkJZTjFnUWhybWM4VEZWUUVaWUlZQUpBdW9pOVpBck9FOGEySDNNU2V5MnpSOTJ4NmpYRU05VzdIZGhmY0lIOUgzaUFwanU5bWNhMzl6UUpFMkl0VThIYkpCZkE?oc=5) · Post and Courier
- 2026-02-02 [M&T Bank names new regional president for Mass. market - wbjournal.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOWWNhYWFhMVFQUUNOcEN0ZHRCb19YaHpwa1dJeTlzOUtfM19oNTBNTU1pdGVva2swaVBoNVhPOHRiWjJpdERxQU5ab2FCUEpWY0Z0bENYRjRRYkROTDFtdDhSUDh2a2xLcEl4elROdlpCeU9icWcxZTZqdUphNmUycDJnb0Q4S2R4VGp3?oc=5) · wbjournal.com
- 2022-04-04 [People’s United Bank, including 17 Maine branches, acquired by M&T Bank - mainebiz.biz](https://news.google.com/rss/articles/CBMingFBVV95cUxQcGQ0c3RRWTdkNDlIdVowVE1LNFNhYUE0TTk2X0ZydmlkeXZMVnJ5Qk1YeGpDS2dSWnhCT0dHT1V6dWw1dVQxTGlXU0hmU2RhUUk2c251cnc2SEhNZjJUWE95WHNPTlA4VmtNaG9sVTd0Y3FEaHRyT09McWpuTGJUTE1TNnJNdFlIUU53dUsxVFlaUE5EM3E5Z2tORmhFZw?oc=5) · mainebiz.biz
- 2021-03-25 [M&T Bank to acquire People’s United Bank - RiverheadLOCAL](https://news.google.com/rss/articles/CBMigwFBVV95cUxNRnV3Rzk2NjRqVXdHRFpBUzcxT1BWYXFHSGpHcWUyS1pHdzlWV1hzamdLTDhGbTE1bjlJS1k1QmtPZUhPQW5vRjJPaXBjbHM3OHRVWFFzOGxEdjlfWmo4U2RwLXZVNW12U1d1Vk1hdnV5X1BMSDZubGtESmo2Q1d1bjJqSQ?oc=5) · RiverheadLOCAL
- 2022-08-31 [What you need to know as People’s United Bank merges with M&T Bank - WTNH.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQaWFadWZ6Z2VvaEpTbnA3SlhZWmZvSzB2SFdrNW1FTVlxeEZUbW13ekF6YzFvU2x4aUJYMmRZMnZiT18xcVQybVNvaVdlZGlrdWhIZ2Y4Sy1RNFZuVnJPOE80eHl2QXk5bE5TLTIydzJYMmZXMm5Fb0VHZVBkYXZWazVrUFVlS3I1MGfSAY8BQVVfeXFMUDFCMXByOVFoRkwxOXBwQWVKNEhfYU04UHV6am84TmhsWFRxTEZkaXFfZFl5TVVleUJLbkFxN1dkQTR2Sm9uWWhTcjVjWVJkR1ZpZjZJRlVfd3lZZTZmT1lnT2R3bjk4U0JZZkVKb09kRC1qaVFNWFRTdGJ1bTNnNHRDZy15ZXhsWlJKRnM3Rmc?oc=5) · WTNH.com
- 2021-02-24 [People’s United Bank bought by M&T Bank in $7.6 billion deal - vtdigger.org](https://news.google.com/rss/articles/CBMilAFBVV95cUxNMjBCZ3RCQnQtekpacXU5RDNWeWFITWY0YXhKWC03OXVoZ0xFeTdUS3FnR1dfU3kxTFhUVXktMDV2RVNfMUh6eXJwTDY1SUtaNTMtNHRDQXRwQlhTZzB4NFZkYk02ZHZaaE8zYWM3RjBZUXJUYU9fYWltQTF5NVZJNG50Q2J0WkZHRmx5di1SbzZOM2di?oc=5) · vtdigger.org
- 2022-10-03 [M&T pledges to rectify People’s United account access issues - Banking Dive](https://news.google.com/rss/articles/CBMioAFBVV95cUxNVldHenhxQVM2eW1sb29XOVlEOEtKSTVNejNyLXl2NEdZVy1EMnJsamN5V0FSSVRMWHpPYVFWNlItcmQ1TmIyMXFka2Y3QTh3dFdLR1ZXaFBGcUtNVTFhdkwzTVhNeUluV29feW8zRmZDVUhldENFLUVpN1R3elRDYnhoN3k0Ti1mcXBRUE5RMWhadVYtWXd3ejlSaHFpWUJZ?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18772 (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/20.json (key "18772", 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