# UNITED BANK
WEST SPRINGFIELD, MA · FDIC certificate 26486 · asset band $1-10B · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $2.46B | |
| Deposits | $1.96B | |
| Loans and leases | $1.86B | |
| Total equity | $300.6M | |
| Loans / deposits | 94.09% (p80 of band) | 80.83% |
| Liquid assets / assets | 17.42% (p20 of band) | |
| Uninsured deposits / deposits | 23.54% (p53 of band) | 22.76% |
| Brokered deposits | 0.81% | |
| Wholesale funding | 8.35% (p51 of band) | |
| FHLB advances / assets | 4.76% | |
| Tier 1 leverage | 10.59% (p66 of band) | 9.78% |
| Unrealized securities loss / equity | 0.90% (p74 of band) | -0.17% |
| AOCI / equity | 0.47% (p42 of band) | |
| ROA (annualized) | 0.85% (p47 of band) | 0.87% |
| Net interest margin | 3.47% (p49 of band) | 3.48% |
| Efficiency ratio | 64.45% (p40 of band) | |
| Noncurrent loans | 0.69% (p31 of band) | 1.07% |
| Net charge-offs (annualized) | 0.07% (p58 of band) | |
| Reserve coverage of noncurrent | 105.10% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 23.58% (p42 of band) | |
| Auto loans | $4.3M (0.23% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 411 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |

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

- 2026-09-09 [Man sentenced to prison for spree of 14 bank robberies in Connecticut, Massachusetts, Vermont, New Hampshire - Fall River Reporter](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQWk5RRFUyRjE3NE5jNDgzRFRrQmQ4emUxVm1EVE1wT25SeU0yekxwc1NLWDVkWWlCS0JjRHJURC1ycVg3SUVSejdlVmh1ZjI5OVMyS3czaXg2V3NCZTBPd09zYXRnTlRuNEY1LUdxMzN4Q0g4Ym5ULW5Ub0xhWmU3amlwYWN4aWIzNHk5QjZLTVA4VkFaYmVNaDVKTjR4T2pqLXVmZWZpdUJpLWxqazJLc0E5dmx2R29aY09OYko1R2RYb2ZNVWp3VmNMczR1MHF6RXc?oc=5) · Fall River Reporter
- 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
- 2026-01-31 [As it grows in Mass., M&T Bank names new president here - The Boston Globe](https://news.google.com/rss/articles/CBMihwFBVV95cUxQM0hyRlpvWnhSWk1aX0kyakF1ejJTc2FheWpoLU80TDJGQlFULXVmMHd0WVI2a2lKOU1IZW1ZYzRYWm50WmhLY19MbXN5LTBBYTNfVnN1RWM1cDl3R0lZMXk0Qk5fdjh6cWY2OWJtTVA5ZTdBVkY0UnJiTVJSaHZxVTFGcGFjRDg?oc=5) · The Boston Globe
- 2026-01-13 [Why Businesses are Turning to Mass Timber For Office and Data Center Construction - D Magazine](https://news.google.com/rss/articles/CBMinwFBVV95cUxPdmQxOHlpejMxWDR4Q1Z5ZHpER1lUUDBRb1N4Y3M2XzFJdTE3akMxUHd5RDZvMUtSdmtqczlRX25MQTFSVG9KTnRRYURIeFdMN2NFaUtDdy1jUGlIcDJqUHRaX0RVTXhZc0Y1YkJ5R05OQ2tHRS1DUF9qcTV5dTYwYjctQzlENlo4eEh1LVp5MnNGVlVOcWZ5NF96aDg4ems?oc=5) · D Magazine
- 2019-07-16 [People’s United Bank to buy United Bank for $759M - Hartford Business Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxPSDUzTDhGQlJ4UHZibFBUUFFteldWWW5HcENMRXo2S3BXa3dmMlBIVzc0WmJmcmxWdk1ydnBGQUd5YjhzMzk5bHc5XzdpZXRnRmhqYWxZdm1Dd2V4NGxidmsxZFE2V2NrX0pTRGpGVU0wRUJwQkxGVml2dW1PT0dDNXA5d0c1aGRiOWdvVXZn?oc=5) · Hartford Business Journal
- 2019-12-12 [Westfield Bank buys Huntington United Bank office that was slated to close, saving only bank in the hilltowns - MassLive](https://news.google.com/rss/articles/CBMi5gFBVV95cUxQb2ZUOWpjNmVEYkVOLWN5VmZXNUd0NXNJVFpWZXhtWkdrTmVMUGVET1lEUzNYN21lLW1Iak54eC1nemw1WnVJekpWUVJHODAtYnVKLVNxTDh5VExUMlhyaEdmUFpob2VQUGRIWEJERWxUSGltNWY1REhnQTZvWWoxTGZTOENFT0ZxT1B0R0hyZFRfdnAwcGZQT2FSVDVIVzBSVXdiV296MFFJbTNqaUZwUk5sUHZ0aVAwVERzb1QxSkVaODJ6MVhYXzFJUy05LUF0Zl8yVGsySWtnNlhtSzdoOEhhWWRaUdIB-gFBVV95cUxOb1ZVa3Z1a1JXRUFzdnJydm1aZG1vMDV0d3dZUmR5Y2ZxdW1VU2V4MU9RUllMZ3lPMzJEbE1ZU3pmWHI2Z1NBNkR1Rks2WkRJTXZjZUpmQUVlcmFEbERLYzVLekZHVzQtZHE1eWhxcWd2eTNnTzdndzJ0MDVDSnQ5V0dqNXh3NnZFSHNHYkk5UVFhUEdGNFVyTnN0SVhZUkxBek1LRTdKOFpxQUxUeTdOTXlXcTFlWjRrRWVFM2gzYjBYeUQtMGR5WnNpakRMbkRiSHJ4VU02THJyc2xGUEM4YnFGODU3ZXpsbTRlUmZUbVUwZVFYVjhmd1lB?oc=5) · MassLive
- 2017-10-30 [James Curran Joins People's United Bank as Senior Vice President, Regional Manager, Responsible for Central and Western Massachusetts - PR Newswire](https://news.google.com/rss/articles/CBMilAJBVV95cUxNanBXazk4b29nZ0x4ejJNaTVocTA5UEx5MGRIWU5aU1RWc3B6MW4zUDJtV0o0YXU4NWl0T1U0S1NVWEo1SXRGenFaSndnX211Qm5rOFZkX0hTUVNSeWNoN0dwcGxKUktHM2lpbzlLb2xXa1VQc1JveDRCa0dRUmp5TXhQQTFXR3JFclE0cC1xY1FFZFc1Ym5IbVFOMWRMZzNHMnJvYTVQeVpnbTRwa2pFcDNvdmgxSFdoME1FMFo1cWNjUTV0ejhWajdPYTRYbEUxQ0lZczQxZW5NM2pSVGx1RF9ZTFJGUU12SHl6Q0NzWE9tbXNodjVpNUloam1CTjZTR2JUR0hFelllVFVuUzBXcjZLQjg?oc=5) · PR Newswire
- 2021-08-06 [M&T Bank Says It Will Maintain New England Headquarters In Bridgeport After People's United Merger - WSHU](https://news.google.com/rss/articles/CBMizwFBVV95cUxPbGxSZUJXbm40TDlnUG5JN3BsbTVQOF9Db0cxLUQ1LU5vR2w5aVJ5dE1aN2R0TDlRN0c5SHJzLUpBZWcxUmFpZzFTNFltUVozZXdRNnJtSkdkWlBDX0YwNmNXX2hEeFNCUUt2VEdaZGRNb0NDNWpVSlRYSWYwMWlUd1dUZHA2M2ZWQ1FVcmV5MkoyZVJ6dU5OeEhzeFhPN1dHVlZlYjZSZkVoalFuaEstc0F3a1d6YnI0bXdrTHpkYVZaRHFFSlBHTkNtYjdWcG8?oc=5) · WSHU

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26486 (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/54.json (key "26486", 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