# UNITED CENTRAL BANK
GARLAND, TX · FDIC certificate 25330 · asset band $1-10B · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $1.29B | |
| Deposits | $1.11B | |
| Loans and leases | $408.7M | |
| Total equity | $138.4M | |
| Loans / deposits | 32.52% (p3 of band) | 83.91% |
| Liquid assets / assets | 61.15% (p96 of band) | |
| Uninsured deposits / deposits | 12.07% (p20 of band) | 22.39% |
| Brokered deposits | 0.01% | |
| Wholesale funding | 0.78% (p11 of band) | |
| FHLB advances / assets | 0.78% | |
| Tier 1 leverage | 10.22% (p60 of band) | 9.82% |
| Unrealized securities loss / equity | 4.24% (p88 of band) | 0.69% |
| AOCI / equity | 3.35% (p84 of band) | |
| ROA (annualized) | -0.17% (p2 of band) | 0.90% |
| Net interest margin | 3.60% (p56 of band) | 3.50% |
| Efficiency ratio | 128.99% (p99 of band) | |
| Noncurrent loans | 34.17% (p100 of band) | 0.97% |
| Net charge-offs (annualized) | 1.35% (p98 of band) | |
| Reserve coverage of noncurrent | 33.67% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 1.86% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | -25.5% | |
| Employees | 291 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 | capital falling | wholesale funding >15% |
| 2011-12 | 7 | leverage <7%, losing money, charge-offs p90 | brokered >10% |
| 2012-03 | 5 | assets shrinking, uninsured deposits leaving | construction >100% equity, capital falling, losing money, charge-offs p90 |
| 2012-06 | 5 | deposits shrinking | leverage <7% |
| 2012-09 | 6 | expense ratio p90 |  |
| 2012-12 | 8 | losing money, charge-offs p90 |  |
| 2013-03 | 6 |  | uninsured deposits leaving, losing money |
| 2013-06 | 5 |  | expense ratio p90 |
| 2013-09 | 5 |  |  |
| 2013-12 | 7 | losing money, expense ratio p90 |  |
| 2014-03 | 7 | uninsured deposits leaving | losing money |
| 2014-06 | 8 | losing money |  |

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

- 2014-04-09 [Two More Sentenced in North Texas Bank Fraud Case - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMilgFBVV95cUxOZ2gtS2JSRWoxY2huamJkbjJxYkRvVGpYRXRQQnlvZ3BIQmM2Y1lXRnlHMVp3TFVmanFPQ21RZHFtV2djX0dIQkxkTTRfV3otT2xpdmZVbGZVbTNtTUxFNlZyUl9VTVRUUThrek4zd3NXX0RPYURVUndqLUx0NWphY0hlWDBMWVVyWm1BeUR5UTNPd2cwVFHSAZ4BQVVfeXFMTmpRRHgyQzlZcnAzbEdvc0JHTEpMTy0xMlZqZmlCVVpXbm9oWi1jQ1MtMVVqS3VIUndjS0lCZGVvVXgwV29vdGtCWWhsdl9obWlSS0ZzY2l1OUk5YU8tbVFlRGtpNnFQYk13Y2Z1REYwZmxLcDk1dGpEZEpVT0VuNzBBSlVvY1NYajZfSElRQlpKV3hGYzVIM0NvSkJraWc?oc=5) · NBC 5 Dallas-Fort Worth
- 2013-12-16 [Koreatown’s Hanmi Bank to acquire Asian American lender in Texas - Los Angeles Times](https://news.google.com/rss/articles/CBMiogFBVV95cUxPbkdEZ2k4RHpCM1Z6MVdIQkRrVi04Zk11dHFJNGdTNlBERXBCRnQ0VkdoM3R1cVpnWEhBcVhMMjRYejVWNFhCcE9pNm5IeVJOSHRtWDB5MlYwYlhIdldIZTRLdGVPVll5blREMkphaUVJUGNhazA1TFc5YTJDSFZiYXo5cXpjSm9QR1RLZHUyaGRzZThPTlgtdWhucDZqeHMyYUE?oc=5) · Los Angeles Times
- 2022-01-13 [NRIPulse.com^^^Home Of The Indian American Family - nripulse.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1jdEt1UTQzclN2SWxMNk02T3NxYmQ4M19WOVJURXR5MGRYRDlqS0NUbHpfZnZYdVYwQ1Y5b29JYlc1aE5jaFVabTNNX0JCQ2dSZktJQTdZYy0zWmt5dk11aGFn?oc=5) · nripulse.com
- 2014-09-10 [Hanmi Becomes 2nd Largest Korean-American Bank in US After Merger - India Journal](https://news.google.com/rss/articles/CBMipAFBVV95cUxPbk5GQmp5NjRDcERvUFVHRTMtWDBHV0RrTENjQWZTMmRXMUo1WkkyTmlwR0x2czJlbkhvQ3BpaHRQVzFSRW44OVZmTEtWMDVpNWpxZFotMjBHNHJ4MkRIbTZaQUwyWTI4a3ZYNUNpX2xJQ1FQb2JqcnVnUWtyZmFsRDBVMlBWb0tkWGpSM0YxdW40cXhzYU9hRTh2azdaZFp3SWdBcg?oc=5) · India Journal
- 2022-09-02 [William D. Bunten Obituary Sep 2, 2022 - Dove Cremations & Funerals](https://news.google.com/rss/articles/CBMiYkFVX3lxTE4zYXFmaTBLM1RjRXFqczIxSmI0cGJBTFAxMUlyZE1DMWh0WjZ4Q0ZvUmVKTXNFVjFNRUZqUjZOZEprRUF3YTE1UDNNNEhrd05fcTJmYWNrb2Exdm1Yb0JwV2RR?oc=5) · Dove Cremations &amp; Funerals
- 2007-09-09 [Financial companies set up shop in Houston's `Little India' - Chron](https://news.google.com/rss/articles/CBMimwFBVV95cUxOd2JkcGxqLVFLOVhLTDN5UFpUZnlNU1N0VUw3bnhwZlpPN3VTQnVrUGE0YUNseFJDLXhNdGNWNXYweDBYY0NVNlhVdmVDa0FpU1NxdEU2RFFRUGFZMnl5U2FRQXFKUHB0Zy1FZlF5VGRweDBIZzZtRC12TGxOZ19qbmVMUjlTX0pyZ3dqNE5acjNrVm5PZW9GZHVwVQ?oc=5) · Chron
- 2009-11-10 [Evansville's Executive Inn closing Monday - 14 News](https://news.google.com/rss/articles/CBMihgFBVV95cUxPbDhtdGdyVWJnVkVVLTRzZmlmOFFORkNzVGJjTmtTbGxaRUpreXc4bVVqV2ZOM015Q3lOLTlUdmlGcDJOOXM3ZjlzUENzMmpLcUFpcllraUg5N2VlUXFBamJHVDd6OWlBRmYyZy14VDV5dWNLRjJiV0JUR0ZFTmh1WjRMTnhVZ9IBmAFBVV95cUxOZ2h2YWZCVHE2YlV4ZlRBbEVQZnI0ZWpZajhKamtfb1g3NFc5bTZTNkFPZEdIS0w1WklfblhkdGRGd2hyeE5qeTNPRllsUVhUdUhXbUxCMWR6UXlyT3dDNlh3aHppdDVMYldYM3BVa2VWdFU5RG5HT1dfQm12alVLemdtQ3BtRWRWU3AyX3Z4QkxmUmFXdlBYaw?oc=5) · 14 News
- 2014-10-27 [State Bank Of Texas Takes Over National Republic Bank - IndiaPost NewsPaper](https://news.google.com/rss/articles/CBMiggFBVV95cUxQQUFUeGhobFM3el80SWs0SWZINTBjcXhxT2p2MnA2bHZQVTFEaFd3REN1aWN5YlFCVDd5bXJkZ2FoNndla1FTVkI5ZmhQVGtFaGxVTDNDT3RqSG1BZkhFNlpOemV3RVQzQWg1RHhSUXRKalA4VVVkMkc5LXVnd3loYnBB?oc=5) · IndiaPost NewsPaper

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25330 (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/50.json (key "25330", 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