# UNITED COMMUNITY BANK
LAWRENCEBURG, IN · FDIC certificate 29620 · asset band $300M-1B · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $547.5M | |
| Deposits | $475.0M | |
| Loans and leases | $311.9M | |
| Total equity | $61.7M | |
| Loans / deposits | 64.84% (p16 of band) | 86.00% |
| Liquid assets / assets | 37.19% (p82 of band) | |
| Uninsured deposits / deposits | 28.85% (p72 of band) | 21.20% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.43% (p27 of band) | |
| FHLB advances / assets | 1.25% | |
| Tier 1 leverage | 11.19% (p65 of band) | 10.47% |
| Unrealized securities loss / equity | -6.43% (p17 of band) | -2.60% |
| AOCI / equity | -2.72% (p25 of band) | |
| ROA (annualized) | 0.85% (p29 of band) | 1.09% |
| Net interest margin | 3.00% (p11 of band) | 3.71% |
| Efficiency ratio | 70.61% (p65 of band) | |
| Noncurrent loans | 0.17% (p23 of band) | 0.52% |
| Net charge-offs (annualized) | 0.12% (p84 of band) | |
| Reserve coverage of noncurrent | 723.66% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 23.72% (p31 of band) | |
| Auto loans | $2.5M (0.81% of loans; DQ 0.72%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 116 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | charge-offs p90 |
| 2011-12 | 1 |  | losing money |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | noncurrent p90 |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | noncurrent p90 |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | noncurrent p90 |  |
| 2014-06 | 3 | capital falling |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 | capital falling | noncurrent p90 |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 0 |  | charge-offs p90 |

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

- 2026-09-08 [United Community Bank celebrates Heritage Crossing opening - Baton Rouge Business Report](https://news.google.com/rss/articles/CBMioAFBVV95cUxPLTRTeV9GVnVuZFBVZndEY1lyLVZ2NlFBSTZ4YzVKV3dOZDFUX213REtvMkJmbkhlUjd4ZFhNMVF3eHVOcjJaZmNBQUZoNW8ycXZPME94bDZRSmljZXpYNU9hZTJjRGVTY2NFVHZhRXpRb19NN3BVOG9aMUoxMGF4NElpaGtzck5KOGtxRGdvXzFpWl9OOUpaUHN1WVg0ZVBw0gGoAUFVX3lxTFBBQzJ4YlQxTVo2TGl1ajB5TzMxMFBycUZ3eDFUc0RweUNQVU9IVmNkVVF1NTh2eGQ5OERGY2VaWWo0aGV1MTdfNEI4UWNyaHI5MWotQzJYOGx2ZzQxV1dZUVFja1dLWjlEUVM4OFFUMC1CWEhCTE50UVlfSnZQM292eFdIVUlZSEVobDJyQmd2WENMS05VUHcwTVlEX1lGbk9JcEFtcGdKRQ?oc=5) · Baton Rouge Business Report
- 2026-08-25 [United Community Names Dr. Jeff Beisler-Snell Head of International Banking and Capital Markets - PR Newswire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPcEtYVVM5MUh5QTVyaFBkclhxRFcyRlM3S0twTXhTT24ySTVpQ3UwT0hRUGhjaERwaEVIcHBSU0JtOWd1bDRTQ1JZZmtmVEZWdHNtejFLOUxCQnRiQlU4N2h3ME1BT3BGZ3M5UDNhZE54RDBEMVVielozQWRaeldjS1NicG1vdVlQTzhBT2lQSmItU1RsOWltVWV2R1B4YS0zVFRUYmk5ZDJPRUNUcGlQam53b29FTXpkMjZtbmNONGRvNzUwbldpM1RXRFk4WWc4ZFZ2dVNKSHZBejM1R2V3WmZEZlk?oc=5) · PR Newswire
- 2026-09-05 [Week Three Scores & Recaps (United Community Bank Scoreboard) - blitzsportsga.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5jNDYwYXJWcTVmUThHM25TUERxQXo5bURXX1g2VzFPR18xZHhjb01rT041ZzV2OGVWV0l6Z09CQ3FyeGpfZ3EtM0k5dC1EYWM1cFlwVTZSNHNDaFJQUEw3WHVoTVlWMGZp?oc=5) · blitzsportsga.com
- 2026-05-31 [United Community Bank - Biz New Orleans](https://news.google.com/rss/articles/CBMigAFBVV95cUxQREJGaUtpTENRRlVXdW9pUE5XOEVhaGxxMFhOYi1hLV9RYjktX0ZKN3BKaVhncWZzRXRXemZoVWhWVXU3NHg0YkUwNjVwc19oRmpBUEh6TXVkc1VrTmJwd2V6S205clM5NFlTYWhEd3BuZjcwZWotdVQwa1pzNTlPMQ?oc=5) · Biz New Orleans
- 2026-08-03 [United Community Banks, Inc. Announces Completion Of Merger With Peach State Bancshares, Inc., The Parent Company Of Peach State Bank & Trust - Yahoo Finance](https://news.google.com/rss/articles/CBMiowFBVV95cUxPeTJFaURxMnlRZDl5TGRrYnFTTWIwY255YXZUc0hEZDR4YVVsYmpfV0NTMV9PMHRCbnBvNWJ2eEptM0lnODEyZndadmx2emxDZ1BpUnlGQlpHNldIUkppSUpfbnRSTnJSMkRmc2JOaDdCRzIzRHo1SnlCR3p1Zmk1aXNYem9YMFpnOW5WZ3V5OXJZUW14WUptbmlacHI0WlRORElz?oc=5) · Yahoo Finance
- 2026-06-12 [United Community to sell a high-achieving equipment-finance unit - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxOZlc3LWZkMWNjTS0xWkRjT1F2V2kydWVBbFlQQnZ5bTZQSlZGdDhoVFNzaXpiOGQxV0g0VVJLeVl2bHU0R3lINFJHWnJ2T1RSa0k4OElxdkVkOVVycVNSU29HdTRPR25MU21hMFZGYU9lU2xLMmR2U0x4UmpXR2VRZ0VsczA3aHhwdklrbkZ0WUo4dmxUWTZURGVKSXpya2JjaVE?oc=5) · American Banker
- 2026-08-22 [United Community Banks, Inc. Appoints Industry Veteran Carl S. Carande to Board of Directors - Eastern Progress](https://news.google.com/rss/articles/CBMigAJBVV95cUxOWWRsRkhwS0M2ZlRUNWxWWjRXcDM2UFFpOWRodkY4YVJxLUJkclBSSFNXdlA2YkljTDZwVFk0dDg1ckR2UHZvZkpMSGJuRHNNQTNMb29UcGgxc29TRTQyeWh0X0ZRWHZaWE5ISUtkbnF1VWhKV3E1MnhheUFJUmRGUHlZUFFHcFpLQTRTNnU2cDF3WUlFSTFpMnlFUHVjZDA4aGtDWE5PQ2hHX3FwZW9vdFhJU1BmS2NKZ2FZVTNaUzlnZjVVcjZvekliT01sMUJLaGRvMGlVUXVjbjJrM0lyYk55VGxjdUVmQWVobUZLVmx3Ml95UW5LYy14T29FLXVD?oc=5) · Eastern Progress
- 2026-06-22 [Former First Sound Bank CEO to launch community bank in Bellevue - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNeUx6cEVWUWU2d0lrOGhlMWFCMXlZVk1JMklFVUdxc01IWllUeDBPODE1TlVjOFRSUkVMUG51WlhXNGVQWXdYYXZ0Y1RhbXBheVhickpQUXIxMWFFcTRIaXBkejBxWFNHTk1NUmkxa1RVOE9IWTBGcmFqUzEwRzZobnp2TU9ydmRGVU5tcktnZ1B4WENsMU15dWNfSVRSZVdlZVVjcE9TNi0?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29620 (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/52.json (key "29620", 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