# UNION SAVINGS BANK
SEDALIA, MO · FDIC certificate 1948 · asset band <$300M · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $92.9M | |
| Deposits | $81.6M | |
| Loans and leases | $39.6M | |
| Total equity | $11.2M | |
| Loans / deposits | 47.70% (p14 of band) | 71.39% |
| Liquid assets / assets | 56.21% (p87 of band) | |
| Uninsured deposits / deposits | 5.01% (p30 of band) | 8.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.70% (p71 of band) | 9.99% |
| Unrealized securities loss / equity | 2.05% (p37 of band) | 3.72% |
| AOCI / equity | 2.21% (p57 of band) | |
| ROA (annualized) | -0.30% (p12 of band) | 0.72% |
| Net interest margin | 2.99% (p11 of band) | 3.86% |
| Efficiency ratio | 112.18% (p94 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.48% |
| Net charge-offs (annualized) | 0.04% (p36 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 69% | |
| Construction % of loans | 10.70% (p39 of band) | |
| Auto loans | $919,000 (2.32% of loans; DQ 1.96%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 35 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | losing money, expense ratio p90 |  |

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

- 2019-10-08 [Sedalia Says No To Guesa For Downtown Marijuana Dispensary - KSIS Radio 1050 AM](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQODE3bGY1dXdLZy1UZ2VpMTVSWFZGSTBnUU1wSVdpRklPSnljNkRSSm1jRkxVakYxNU5aQXVuUzNFLWljQkc0SEI5Q0pEWXdYMzMtaUZFRURFNjNCMTU0V2VQSjY5Ym8zVmZLc3FzdWswbVhpazlqNWphQmpDQVF6d3VFMFNJZEZK?oc=5) · KSIS Radio 1050 AM
- 2021-11-03 [20 Under 40: Petersen has passion for community banking - Sedalia Democrat](https://news.google.com/rss/articles/CBMiogFBVV95cUxNTzVKWnZqYmVFMFFYb0pFVFNKbko0NlFnc0xvblpRaUtBSmxqQ19IVjU4UFJsNFRTNGRpUS1CLTVuUDAyTmVqRVdvUVhPWUNsUFMxLVMxRDlTZHNSSVFyNUZ4WXE0TDZqUHNwZERIY0hmd1J2VTY0Zk5EM2Y1QW95TWhpbXJLdjRYWk9aMUUxUXM5T2xjVzNPTFhaSUUzM2oxVEE?oc=5) · Sedalia Democrat
- 2021-04-24 [The rise and fall: Bank of Oakwood - hannibal.net](https://news.google.com/rss/articles/CBMidEFVX3lxTE1ER1BqTEhGRDBncEhrVEhwVHBpTkRnTDdBUnJYNHFrZVJlMlctOU1BTUR6VzFUaU1rMlVvd3RIeExvOVVLc1ZiZlNJVFVmX0Y1dF8xVm1xWjQxdnVXQzltbHVtVmVZY19UR21OU2ExS1FSUkNv?oc=5) · hannibal.net
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2019-12-05 [The day a courthouse was bombed - Gasconade County Republican](https://news.google.com/rss/articles/CBMib0FVX3lxTE1LZXlEd1RMQ2JwdVNuMzJWUzFVUGMyVzYxdTdlM01vWTgzM245ajFOMzNKdTk5SkU2NGpOQUxERFFRNU4tWWM2U2RwM2I5NnNCb1FnaVhmYjJFRG9mUlV5MFE0dmpCZi05QWNUZndvbw?oc=5) · Gasconade County Republican
- 2021-07-20 [The True Story of the Pardue Brothers and the Most Wild Series of Crimes in Danbury History - i95 ROCK](https://news.google.com/rss/articles/CBMijgFBVV95cUxQQkViNXhScFdUUlpZYmZldF90LTljMVRvYXQ5cXVCZmRpaHQ4Yi0zWU9ZUzFTNlg5S1k0cU1oZnp0Ymx3RG9sMkgxRkluNjNBYlAtdDRaV2dMa2cwaHBzZkxUNklwWDY4WnRnVXU5a1RLZWwtMTd3cElmaFotVTh2aVEzNUhMRk5JWF8tRWRn?oc=5) · i95 ROCK
- 2024-07-08 [Mary Ann Richwine Obituary (2024) - Springfield, MO - Walnut Lawn Funeral Home - Springfield - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOVGNaNTQzOFFsLVNLT1ItTmdRblpDSWJ1T0hPc19aN3dQSDRrMmMtV1dHTTh3aDFSLWFJN2psYjY1WU83RjBFMzBWYmViV2lLeVZPc3J3cnZDNjJmcTM5YmJMUVlzWnVlc2VKQzl5T2s5aEI4bmpYc2NQZDh3RjdGWjBB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1948 (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/28.json (key "1948", 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