# UNION BANK
KANSAS CITY, MO · FDIC certificate 19582 · asset band $300M-1B · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $456.4M | |
| Deposits | $413.9M | |
| Loans and leases | $341.3M | |
| Total equity | $16.3M | |
| Loans / deposits | 77.96% (p58 of band) | 74.71% |
| Liquid assets / assets | 17.24% (p14 of band) | |
| Uninsured deposits / deposits | 1.47% (p2 of band) | 12.43% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.48% (p46 of band) | |
| FHLB advances / assets | 5.48% | |
| Tier 1 leverage | 3.49% (p2 of band) | 9.54% |
| Unrealized securities loss / equity | 2.59% (p43 of band) | 3.32% |
| AOCI / equity | -0.09% (p41 of band) | |
| ROA (annualized) | -1.43% (p2 of band) | 0.80% |
| Net interest margin | 3.32% (p28 of band) | 3.67% |
| Efficiency ratio | 139.48% (p99 of band) | |
| Noncurrent loans | 8.29% (p93 of band) | 1.96% |
| Net charge-offs (annualized) | 0.50% (p78 of band) | |
| Reserve coverage of noncurrent | 65.68% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 189.23% (p98 of band) | |
| Auto loans | $952,000 (0.28% of loans; DQ 1.26%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p46 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 100 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 8 | leverage <5%, losing money, expense ratio p90, charge-offs p90 | noncurrent p90 |
| 2011-12 | 9 | noncurrent p90 |  |
| 2012-03 | 9 | assets shrinking | charge-offs p90 |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-08-27 [Ronald L. Greeson Obituary (1943 - 2026) - Sigourney, IA - Southeast Iowa Union - Legacy obituary](https://news.google.com/rss/articles/CBMinwFBVV95cUxOUUh6Zk82MzZrMFA4RDJLQWFxeUg5MXVlTVpsaUI0Qjl6ZHdfSDhMRkF2RjN4NnVPM2ZoRjZySTVIeXUwbmd4dDBuNGdsOVpSUFEyNE5Qa2dTM2ZXWmNORVFqSjJoRzFJMzE5ZWpOS25MbjZZMjlxT0tGM09jQV96TFJzRlFQNnhfSl9DS010VVUtMkNsY1Nxcnd5NlBTeDg?oc=5) · Legacy obituary
- 2026-08-13 [Atlantic Union Bank opens new Baltimore location - Maryland Daily Record](https://news.google.com/rss/articles/CBMikAFBVV95cUxOd1lrQi0zNTFJY3Y2OEtQREhRd19UVlZxd0FoOFAxN0xLdl9lUE9udndvNExXOURpTFZUbnB3NDZtT0RPUGNrTlI1NkwwejVRTXNIUWNYQVVITV9WcDVRRW1Pc0tmUk9Mcm92MVRJaGYwelN3c0gzREkxUkJXYmVDbnZhZVBRVU5RTDRTd3hlelQ?oc=5) · Maryland Daily Record
- 2025-10-18 [Atlantic Union Bank Completes Integration of Sandy Spring Bank - The MoCo Show -](https://news.google.com/rss/articles/CBMimwFBVV95cUxOZlVJZGxDQTBidWpMeGVFRlk1OFk0TzVWMTFmalpXN1cwQi1ucWRDcDZOR1otUDNmNDBCam54Z1JvZ0tQNW5vRU5teUF1R2lvbWlGNFhqalFSX1NvWDhxQmFHNmkxam9RckJ6ZWRVYlJ1WFNzLWpVc20zRTFpdFJLU2UzWjBLTE85d0FRQm9GcnN6dGVGdURvdkZoTQ?oc=5) · The MoCo Show -
- 2025-12-01 [2025 Virginia Business Person of the Year: John Asbury | Atlantic Union Bank - Virginia Business](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZ2JpMDNQcUJwb21JZnk1TThhU1VkX1BoU0I3bGhMS1dQN2dtZWEtUEFiM2FVNGdCZkNyYnRIb0Zna0NIbm5YbnVPeml2S1ZXeVRhMjEtVWN5TnA0THZrNF9zY0lFVnIxTHRCc2Y3NmktSFctRV9vZjh2ZG5XNmZQNGI2Z3BVWnBVT18xdUZzNTc?oc=5) · Virginia Business
- 2012-01-30 [Arvest Bank to Acquire Union Bank of Kansas City - Talk Business & Politics](https://news.google.com/rss/articles/CBMiigFBVV95cUxPNjNWS1BlNmpESjFPcS1STDc0RWExUnFXTEcyTW9jcGJMZ1N3M0dGSlR3VVN5M2VyYnVBYkplbW5sRXdvNnlyTTRTUkIzdFRZQzh3Q2VLRTViNG5MSjUwOE1QUDdfcUJXdktIQmxnd2FGWmZKemFiVzVfaUtfWmVCaTNvc2xqdXEwT2c?oc=5) · Talk Business &amp; Politics
- 2024-06-14 [FBI searches for man who tried, failed to rob Holy Rosary Credit Union bank in Columbus Park - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQWXIxUzZJSnlGOHk0VmlKa2pLb21fU0NvVG84RV80LW01Nlc0TEpPeldTQWpxS1NKX2FkS2c0OFBqc2gtZEVGVUtYS1FIVVRCOHdfYUt6LXVxejJUUjBUUXprSFpIWU9MZTZpWTE2MHhTblJoQ0owR2puM3VLdXI1X2xxNkJySDVBbGN5bHduSUY2Q0gxcDZUV1Uydm1nVDF5bEhKVndDUnpxV3lzVkhmTVF2NlpyaDRzY2RPN053LUs?oc=5) · KSHB 41 Kansas City
- 2026-02-11 [Philippine bank loan growth slid to 22-mo low in December 2025 - Inquirer.net](https://news.google.com/rss/articles/CBMilgFBVV95cUxQVFh3VEtTQVN6N084X0Nnb2d3ZFZHSlpxLUpRU281cklUSW9yRkw5VEE3aWc5VDN4UW55RU9GaXgzV3ZnMGZ3WFhoY2JvMm9EUXZmaVM2ZXRUTTJEeFNYOFZ5dG41b2c5OVJTSUVJeDV2SWhzZ0EwdkxJTHlGSWlHNDhwYlhuQUdHNXJZdGhvSVpoR0JVZlHSAZsBQVVfeXFMUFZNWWRlT1FnQThkNzRPT21Bc3RUWVhjTzUzcXh0ZjVJcHN0NU1vZlJRVGRFcVcwSUtvdUM3eEN2YkhBeVJFejV5REtTdEZTRXZJWFg4ank5LURpcXlwMS1kTjVPaFRnZ3dLSkJ6Z3ZaVnllX0tHUW5DYVk2ODhtYUlibE0tQ3hDZ2dOMV90RmJ6NnNfQ0FlSW1iV28?oc=5) · Inquirer.net

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19582 (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/62.json (key "19582", 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