# HIGHLANDS UNION BANK
ABINGDON, VA · FDIC certificate 26191 · asset band $300M-1B · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $575.3M | |
| Deposits | $511.2M | |
| Loans and leases | $453.5M | |
| Total equity | $61.0M | |
| Loans / deposits | 87.90% (p56 of band) | 85.55% |
| Liquid assets / assets | 13.72% (p17 of band) | |
| Uninsured deposits / deposits | 13.18% (p15 of band) | 22.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.01% (p18 of band) | |
| FHLB advances / assets | 0.01% | |
| Tier 1 leverage | 9.81% (p32 of band) | 10.66% |
| Unrealized securities loss / equity | 0.22% (p28 of band) | 0.93% |
| AOCI / equity | 3.54% (p67 of band) | |
| ROA (annualized) | 0.56% (p11 of band) | 1.13% |
| Net interest margin | 3.82% (p54 of band) | 3.75% |
| Efficiency ratio | 74.80% (p78 of band) | |
| Noncurrent loans | 1.18% (p78 of band) | 0.53% |
| Net charge-offs (annualized) | 0.38% (p95 of band) | |
| Reserve coverage of noncurrent | 77.83% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 40.32% (p51 of band) | |
| Auto loans | $5.9M (1.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 134 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, losing money, reserve under noncurrent |  |
| 2011-06 | 4 | expense ratio p90 |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 | deposits shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-06 | 4 | assets shrinking | uninsured deposits leaving |
| 2012-09 | 4 |  |  |
| 2012-12 | 3 |  | assets shrinking |
| 2013-03 | 2 |  | deposits shrinking |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | expense ratio p90 |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | expense ratio p90 |
| 2014-06 | 2 | charge-offs p90 | leverage <7% |
| 2014-09 | 3 | noncurrent p90 |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 1 |  | charge-offs p90, noncurrent p90 |
| 2015-06 | 3 | capital falling, expense ratio p90 |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | expense ratio p90 |
| 2016-06 | 4 | losing money, expense ratio p90, charge-offs p90 |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | losing money |
| 2017-03 | 0 |  | reserve under noncurrent, expense ratio p90, charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | losing money |  |
| 2018-03 | 1 | expense ratio p90 | losing money |
| 2018-06 | 1 | assets shrinking | expense ratio p90 |
| 2018-09 | 1 | reserve under noncurrent | assets shrinking |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |

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

- 2024-09-28 [Catherine Sue Woodward Obituary Sep 28, 2024 - Farris Funeral Service](https://news.google.com/rss/articles/CBMidEFVX3lxTE10eWp5X2diTi1UaVVRUVBtVm0wY0xHdThndXNScV8wRTVNTHRZYnFXLVBNZUJrSm82QjhCWXFMSDNpSktzRjBwQnVORGh3WURET3I4eWhvLUE3MkcwSG9fVGd6anhGWHhEOEtTU2RoejJyck9Y?oc=5) · Farris Funeral Service
- 2007-08-01 [Reader's Choice: Developer Takes Novel Approach to Seniors Housing - Affordable Housing Finance](https://news.google.com/rss/articles/CBMirwFBVV95cUxNM1VkUEQ4ZklUUk0wSFJMQkRnSlV6QjN2QzVkaGtRUGw4X2Y2M01PUzhzZ1FlZzlMUlNua1AzYnZqcjRnNTF3VWVSNDZQOVhpandRRi1uWWRNVkF0M3FkN2Vtb3Bzc2hoSlI2MVFPMFZIWXAtcmxkWU5faF9PSHlQU2pnaGNuU1pKemhsbmVVcjhSVVFuWW1yUm9iMVRzUG1fODIyOExHUk1Eek45dkJj?oc=5) · Affordable Housing Finance
- 2017-07-26 [Meade named to HUB Board of Directors - The Avery Journal-Times](https://news.google.com/rss/articles/CBMivwFBVV95cUxQQ3JSWDhVaFVxZFdqS0hUSFVUTmtpeU1NTUlxcmpDZWd2aUZMZHRJY0JIN013a3NsdEFDQkI2V1F2UGExWmswVjVkWGlYVHFvbFo1c0FUbDk3WlRiT3ZJbDg3VDZPXzhXcDZZM1hfUFgzVkpjR2F2R00tZ2I2VWFBM00xUVR6SzAzS0lobUN4M3RFQUh4ZWl4V1o3TVVNc05INlFaX0xpc3BlUk9sUFFnM0lNUUVYXy1iR1RUcWkxWQ?oc=5) · The Avery Journal-Times
- 2022-08-12 [Samuel Lane Neese Obituary Aug 12, 2022 - Farris Funeral Service](https://news.google.com/rss/articles/CBMic0FVX3lxTE1NeW9fS21FMFhTT0xlZjNGS0cySW9nTzRGWFh5Qkc3LXhmVUZBTmcxSHltZTc0YUEyTVJ0OW4zUXExSXgxckgxTXdkTzJKOUkwZHc3bk1tUDhjNFAya1h5d1lDRHpKTXdnVjBxVmpXQmE5Mnc?oc=5) · Farris Funeral Service
- 2006-07-01 [Developer takes novel approach to seniors housing - Affordable Housing Finance](https://news.google.com/rss/articles/CBMikAFBVV95cUxOT3JVd0FPeUI0VUhucTZKdUw2UXM5eVFQVXE4Nm9XZFRpbmFrTTlGaTNSOWctb29jQXZFMS1rcGN1UkdRSVZ2QTFlb2ZXUmtXQWFiOHozWEZUMjZ0TTJRcm9rU2ViZkUwekdFUnVxX1Y5SVhrRzZnMGVOck8ybU1xSFNNX1BxR2NQTUNDVHlkbW4?oc=5) · Affordable Housing Finance
- 2021-02-06 [Stella Elizabeth Blackwell Obituary Feb 6, 2021 - Farris Funeral Service](https://news.google.com/rss/articles/CBMif0FVX3lxTE1ZeTZKc3JlUmhaSnN2aTBwYXhHaTJzUWJ6UUE0UDNqRXFEZW5pdGlnWnF2YUFfbEZUUzJJVWdFRF9IR1MtbXN5UVp5ZHBpQmN6cnNDQWY4OV83TC1IYnpOc1NvLXplVmhabG1IbWMzdlZ2MHBOajhwZ0RaeUNtR1U?oc=5) · Farris Funeral Service
- 2022-11-04 [Kirk Edward Nairn Obituary May 16, 2019 - Farris Funeral Service](https://news.google.com/rss/articles/CBMic0FVX3lxTE1POTMzbDVZU3J5MzJDM1h2Uk1UMjhvcEpOTWU0dXhrT3NGNzhtZDB6dlB5d3h5QWtqbV9GRmthamxvMXM5N1FVUHU0U0tVVy1CSldKY1JRYVJodmM0UDBoMDM4SlQyQ0ZPNTJwTWRYLTV1Qnc?oc=5) · Farris Funeral Service
- 2021-10-25 [JoAnn Cahill Obituary Oct 25, 2021 - Farris Funeral Service](https://news.google.com/rss/articles/CBMibEFVX3lxTE1KaERyLVRQTDZiR0F5ZEcwSU9XYjlDU19XXzRBb2UzYjlDWG5Dbjg1WjUtZExBeHZkbTl1ZEt4WmNZYnZxa18ybmZNdGd2WVBQLVNMSnA4OXVwdnlBVXE2R3YxVk5rZUpBS05DUQ?oc=5) · Farris Funeral Service

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26191 (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/15.json (key "26191", 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