# UNION SAVINGS BANK
FREEPORT, IL · FDIC certificate 29121 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $182.0M | |
| Deposits | $166.1M | |
| Loans and leases | $116.1M | |
| Total equity | $14.4M | |
| Loans / deposits | 69.36% (p43 of band) | 73.59% |
| Liquid assets / assets | 33.14% (p51 of band) | |
| Uninsured deposits / deposits | 6.56% (p6 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.52% (p18 of band) | 11.76% |
| Unrealized securities loss / equity | -25.27% (p18 of band) | -6.57% |
| AOCI / equity | 0.11% (p89 of band) | |
| ROA (annualized) | 0.31% (p13 of band) | 1.17% |
| Net interest margin | 3.70% (p37 of band) | 3.93% |
| Efficiency ratio | 90.83% (p90 of band) | |
| Noncurrent loans | 0.27% (p45 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p63 of band) | |
| Reserve coverage of noncurrent | 292.70% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 4.59% (p28 of band) | |
| Auto loans | $856,000 (0.74% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.2% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | charge-offs p90 |  |
| 2013-09 | 4 | capital falling, losing money |  |
| 2013-12 | 2 |  | charge-offs p90, capital falling |
| 2014-03 | 3 | expense ratio p90 |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | expense ratio p90 |
| 2014-12 | 4 | deposits shrinking, assets shrinking |  |
| 2015-03 | 2 | charge-offs p90 | losing money, deposits shrinking, assets shrinking |
| 2015-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 | capital falling | reserve under noncurrent, charge-offs p90 |
| 2016-06 | 2 | reserve under noncurrent |  |
| 2016-09 | 2 | expense ratio p90, charge-offs p90 | capital falling, reserve under noncurrent |
| 2016-12 | 0 |  | expense ratio p90, charge-offs p90 |
| 2017-03 | 1 | uninsured deposits leaving |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | capital falling, charge-offs p90 |  |
| 2018-06 | 0 |  | capital falling, charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 2 | reserve under noncurrent |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 3 | expense ratio p90 | uninsured deposits leaving |
| 2020-09 | 1 |  | reserve under noncurrent, capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity | expense ratio p90 |
| 2022-06 | 3 | expense ratio p90 | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | losing money, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 3 |  | uninsured deposits leaving |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 5 | capital falling, NIM <2.5% |  |
| 2024-06 | 4 | uninsured deposits leaving | capital falling, NIM <2.5% |
| 2024-09 | 5 | deposits shrinking |  |
| 2024-12 | 3 |  | uninsured deposits leaving, deposits shrinking |
| 2025-03 | 2 | capital falling | expense ratio p90, losing money |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | securities losses >30% of equity |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | expense ratio p90 |  |

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

- 2025-05-05 [Union Savings Bank Selects Six New Corporators - The Newtown Bee](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQbC1wWllQRFVCMHdDR1h2bldhUy1wLVJUMER0enM4WV9OdTBpc2dKUkVWcVRiSzZHUG9lUUI1Rk1ScXlueFV4ZEVfQzNOM0ZPWTNwN181aTBhMy16cTBzRkVPZ2l3VXJIeW5vVUkyNWJpYmNhOVM4bXp0Uk1YQl9rMk9xSkZ1ZExjMC1Z?oc=5) · The Newtown Bee
- 2017-02-02 [Union Savings Bank announces new CEO - Freeport Journal-Standard](https://news.google.com/rss/articles/CBMirwFBVV95cUxPQ19DMThYNWp2M3lxSW1naWlkZ0duM2ZlTEFLS3psWVFNOXlxN2lTajk4ZVpHRG5iT1ZwTGF5RHYxeHZCSzdNbk1TQ05FODBlVUpiRnZSV1I0ZjRuX1dKNHNlTnlZMTVEU0JoYTNpTUpUZFVMOWk1ak5OcmN6Q0lZZS1YYU1KZkZmS2gtRGxYZnZvX3dlNHAwTWxoeklfd1ZOSmVBZHpKZC1ReDl6NDFn?oc=5) · Freeport Journal-Standard
- 2022-06-30 [After 130 years: Union Bank still local, still growing | Local News - Vermont Community Newspaper Group](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNQTFOWUJxRmRBazhwRG5Yc3BjSTNCRzYzSDlvbUg3RElfMC0ybmp5T1Zuc2dZaDRpS0VVOHg5TDgyUGZzeURRYmZYS1E5R0FfdVpwU2t3ZnV4ekdKbGFDWWk5MlJUN0pkdjA4bkg5OFJnSnIwNWV1RHFIWHJma2F3SUpwZFk0LXlyOE9sdGdSQ0l4d2hGNm1GWk1NT1pCcjdzVjAwRC1LVjY5ZThtVTdNb2wyWjRqbmdBSmhoTTlCaHN1N0dsTk9yaEZrRGE0MFNQN0ZsMkJYNFJuYTd2WmJvU2ltTTMybmYzd0RLZU5n?oc=5) · Vermont Community Newspaper Group
- 2010-07-24 [Union Savings Bank’s Jeans Days help Noah’s Ark - Rockford Register Star](https://news.google.com/rss/articles/CBMikgFBVV95cUxPblBaQ0dUOW5UUWlzUjRHWEl3MGhhX2REbF9sMlVhT0VOX29qaUtpU2JHVVZXRXlvVDE5ZjNKTUhtUGxXZVZpemF5TFVZeFVqOXdJTkVBSzN2TC1GaHRVR0dYZmtSQ3hwbjFCOWN2OW9wd2JxckZIR3BUNjhud25FdVliS3JWbTVqaUNRTU5RUXV5dw?oc=5) · Rockford Register Star
- 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
- 2022-08-09 [Free admission Tuesday at Boone County Fair - WIFR](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYS1XM0tBdDYtRUF5NUkwcFcwb09wcGYwWU9tRms5YUNaYnZic25udzExQk4tX0xTeUYyNS1RNGI1cko1bnVMR1lScEhheXQwWTcyU0NhekNvaFFGNWpmMGM5bFBaYUs1OThNeUtGdDV3WTg3MjFOSEkwZzN4MGJKWWhZaEgzT2RsbXhKUjlvONIBowFBVV95cUxQQmNaRjI4bVFNTGhaT2pVaENMYmtlUTc4ZThYWlNKMmM0dGJPZjJSallLeWtyTG5uMV91ZWEtNzNISGRTZEtRWDhPTWpJTEMwQVZZanQ5MXUxcjU1UGpiRzU1LXVuZDNZREhWWkdtNW5xQjVQbHNWd0F0bmhFQUZQNlMtdnVzRTF3eExCdVk1b3NwdnFmT3ZxSEw0cEg5TXIycXJZ?oc=5) · WIFR
- 2022-08-30 [Elizabeth Goodwin Obituary - Bloomington, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxQSThZeEZuQ1I5Q0xiNHUtQXNQbVMyb2FBSVNISUcyYlM5bTd4aFB3LVJrZE5rNklSMUpkM0J2ZTRDOXF3Q1VqbFBLdjF5MWd3dEtUZWVyNEd0VGdhRlR5WDJJcFVHZVoyMWl4eVo3aVFOcllORjJXel9mUWdsenZFMFNxMWw1Y0FCeU9KbQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29121 (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/1.json (key "29121", 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