# UNITED BANK
SPRINGDALE, AR · FDIC certificate 32025 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $296.0M | |
| Deposits | $260.3M | |
| Loans and leases | $247.6M | |
| Total equity | $32.0M | |
| Loans / deposits | 93.63% (p85 of band) | 73.59% |
| Liquid assets / assets | 13.75% (p9 of band) | |
| Uninsured deposits / deposits | 21.52% (p56 of band) | 19.81% |
| Brokered deposits | 3.94% | |
| Wholesale funding | 3.98% (p68 of band) | |
| FHLB advances / assets | 0.04% | |
| Tier 1 leverage | 10.66% (p35 of band) | 11.76% |
| Unrealized securities loss / equity | -0.85% (p79 of band) | -6.57% |
| AOCI / equity | -0.66% (p38 of band) | |
| ROA (annualized) | 1.20% (p52 of band) | 1.17% |
| Net interest margin | 4.47% (p76 of band) | 3.93% |
| Efficiency ratio | 71.11% (p63 of band) | |
| Noncurrent loans | 0.10% (p35 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 1534.12% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 171.90% (p99 of band) | |
| Auto loans | $307,000 (0.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 53 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | wholesale funding >15%, securities losses >30% of equity, losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | securities losses >30% of equity, noncurrent p90 |
| 2011-09 | 2 |  | losing money |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 3 | deposits shrinking, assets shrinking |  |
| 2012-06 | 2 |  | wholesale funding >15% |
| 2012-09 | 0 |  | deposits shrinking, assets shrinking |
| 2012-12 | 3 | loans exceed deposits, deposits shrinking, assets shrinking |  |
| 2013-03 | 3 | uninsured deposits leaving | loans exceed deposits |
| 2013-06 | 4 | charge-offs p90 |  |
| 2013-09 | 3 |  | charge-offs p90 |
| 2013-12 | 4 | loans exceed deposits, reserve under noncurrent | uninsured deposits leaving |
| 2014-03 | 4 |  |  |
| 2014-06 | 2 |  | assets shrinking, reserve under noncurrent |
| 2014-09 | 1 |  | deposits shrinking |
| 2014-12 | 0 |  | loans exceed deposits |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | loans exceed deposits |  |
| 2015-09 | 0 |  | loans exceed deposits |
| 2015-12 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2016-03 | 1 |  | reserve under noncurrent |
| 2016-06 | 2 | wholesale funding >15% |  |
| 2016-09 | 1 |  | wholesale funding >15% |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 1 | construction >100% equity | loans exceed deposits, capital falling |
| 2017-06 | 2 | loans exceed deposits |  |
| 2017-09 | 3 | wholesale funding >15% |  |
| 2017-12 | 3 | capital falling | wholesale funding >15% |
| 2018-03 | 4 | uninsured deposits leaving |  |
| 2018-06 | 2 |  | capital falling, uninsured deposits leaving |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | loans exceed deposits |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 3 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2019-12 | 2 |  | wholesale funding >15% |
| 2020-03 | 1 |  | loans exceed deposits |
| 2020-06 | 1 | wholesale funding >15% | construction >100% equity |
| 2020-09 | 2 | construction >100% equity |  |
| 2020-12 | 1 | loans exceed deposits | wholesale funding >15%, construction >100% equity |
| 2021-03 | 0 |  | loans exceed deposits |
| 2021-06 | 2 | capital falling, construction >100% equity |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2022-12 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 6 | brokered >10%, capital falling, expense ratio p90 | deposits shrinking, uninsured deposits leaving |
| 2023-06 | 7 | uninsured deposits leaving |  |
| 2023-09 | 6 |  | uninsured deposits leaving |
| 2023-12 | 2 |  | loans exceed deposits, wholesale funding >15%, brokered >10%, capital falling |
| 2024-03 | 3 | brokered >10%, wholesale funding >15% | expense ratio p90 |
| 2024-06 | 4 | loans exceed deposits |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | loans exceed deposits |
| 2025-03 | 1 |  | brokered >10%, wholesale funding >15% |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2025-10-06 [NWA C-Suite: Nathan Gairhan - Talk Business & Politics](https://news.google.com/rss/articles/CBMibEFVX3lxTE5ZLTl5YnowZVVxMGxBMGhGOFVKaFBpRmZod0dNdkRrbkhLamd2djl4c05WUVl2MUxQWlFqcGFNR0tpMDIwNE5VeEVJb2pweDJQbTFLMERmVlotdjFPQm5YZXZDdUNfa1FHUkN5cw?oc=5) · Talk Business &amp; Politics
- 2026-01-28 [Farmers & Merchants Bank, Bank of Fayetteville promote Gauthier, Jackson and Krisell as area leaders - Stuttgart Daily Leader](https://news.google.com/rss/articles/CBMizwFBVV95cUxPbGZ3VF9Jd1o0akVuamNmSDNjdVFUTFdWQzBaZGJTZXphVmJmMnNzdUZ1QWxfMHRUWFU0ZzF0MEpES3lNR2I4Mkp6OGZQdE1sYlRLdnhaaTVfREx5MGk3WFpUbUxydDNOU2NnXzhaaFJORkZoNXpCUjZkVUtfOFItSDA4dnNYdG9CdFJFOG8wNEFRNllLcXBlckZab3VyWEFQeHhJcG5KNnJURTJBTDM0OC1SNC01SVhZMzJrNGdmR1lkRzZWN05vRk1BY0wyU0E?oc=5) · Stuttgart Daily Leader
- 2023-02-01 [United Bank Opens Second Bentonville Location - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMib0FVX3lxTE5KeGF0OGFaNW5jLU5BaW5mY0VOcmdSZFFSdXFPOGQwbi1WcjBxZUhUQkRyeTNrSGVjY2VVUFV3WFk0RE1VYi1IMTRod3o2SGQzaXg4WEZzb0x2VlN5ZW5HOHJNdTlrLWJ0QllYb1ZKdw?oc=5) · Arkansas Money &amp; Politics
- 2024-05-14 [West Virginia-based United Bank to acquire bank located in Georgia - Charleston Gazette-Mail](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOZ2trRHJhT0IxYkFwbUJwSzdLNEg0UlRKV2pTQWdGXzZZSTZmM21mb0xGQnlMWmYwaWxvRG5xMzNlWTYySGhXVG91eXhUaTZyc2pHQ2VycWRvaHJLNDJfNWloQklBOHVlQ05MclpieW9CZUhQY09GUS16TTA2R2dIckhsVnQ4NjNjMmgxMkxzWTNZM0VpeUNfZk8yNUFRTlF5MmgzRFdBaEI3WG15aGJGSkFxWXVRZzY3UDlZcVZzZWp4QUh3M1dCNm5uclpqbDhFSloxbVpfRXFEMGlFN0F3eXVCQ3ZJRXFiZ2Fn?oc=5) · Charleston Gazette-Mail
- 2021-10-13 [United Bank plans first branch in Bentonville - Talk Business & Politics](https://news.google.com/rss/articles/CBMihgFBVV95cUxNVWlGT0NPLU1NSjVzT0dUTFFlZVlscUxXaVNhdlo1M2pfVTJMRUVRUDNERVpGd0N5eHZhM29CUzM0NE51N0ptd0YwLXdjd2oyRUY5TjNRUDZFUnVUYzRxSlpTYXNlcXEyWl9BektfTi1oSVNpUldEYVRkbzVuTzdRZmxod1A5Zw?oc=5) · Talk Business &amp; Politics
- 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
- 2024-06-18 [Police on scene at Fayetteville bank robbery - KHBS](https://news.google.com/rss/articles/CBMijAFBVV95cUxQaDRPZktIMFIwT3pKb2pVZm4xc2o1dGhWMzJjNFBQX0hsMmVhd2NRTzZjQVZhVnhYdWV0RGZTWTM4X3dkYmhJaEkta1dxeFhHX1k2cVZJUFdmUUlZOWZENkZLX0ZjbG43eGVDbFJGbmFYT3ZCaGtaUTN0SDJXNzc2WkR4X2lGYmc3SEc3WQ?oc=5) · KHBS
- 2024-07-09 [Springdale man pleads not guilty to robbing United Bank in Fayetteville - 5newsonline.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOWHQ2eXlQYjlhRVZFMGh2bF9uWlFYWFREWkc2TzJFbHhEVzEtVGprSGFxR3dRaC1UNko0YVprYWJYTkk0NTdXb1pwaWp5MWpjSjFtbzcwcDVWamdFUWxoUUJNcVRhZGt3VlpYdGh5RFNZUVU2eW13R2RMWmREYzBqbjdtdmlNQXRZdlJzcWFoSHBGMndCcmFNNWxxTXNfd21RVHpORkpwTXVIMmFtdm40VDJ2SkFhZWZ6bWZBVzZLc0diUlk5YURHdXdQcjlsMHJI?oc=5) · 5newsonline.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32025 (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/25.json (key "32025", 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