# NATIONAL UNITED
GATESVILLE, TX · FDIC certificate 3214 · asset band $300M-1B · latest filing 2021-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $788.6M | |
| Deposits | $712.9M | |
| Loans and leases | $440.6M | |
| Total equity | $75.3M | |
| Loans / deposits | 60.77% (p24 of band) | 73.43% |
| Liquid assets / assets | 42.50% (p74 of band) | |
| Uninsured deposits / deposits | 26.18% (p55 of band) | 24.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.70% (p48 of band) | 9.83% |
| Unrealized securities loss / equity | 1.96% (p67 of band) | 0.83% |
| AOCI / equity | -0.77% (p63 of band) | |
| ROA (annualized) | 0.92% (p32 of band) | 1.17% |
| Net interest margin | 3.32% (p52 of band) | 3.30% |
| Efficiency ratio | 68.38% (p68 of band) | |
| Noncurrent loans | 1.55% (p87 of band) | 0.45% |
| Net charge-offs (annualized) | 0.00% (p32 of band) | |
| Reserve coverage of noncurrent | 107.99% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 147.59% (p99 of band) | |
| Auto loans | $31.2M (7.08% of loans; DQ 1.15%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 19.9% | |
| Employees | 136 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## 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 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | construction >100% equity |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |

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

- 2020-12-03 [BancorpSouth to buy National United in Texas - American Banker](https://news.google.com/rss/articles/CBMihwFBVV95cUxONW8wVkpsSXE2WDJRS3Z2Ym82V2IteUE5aHJISVU5YVJaM0xuNlo1OUVuSVg3QnI4WnFzVmlJSTdRV3Y2b016Mjh2MnQ0MW1aamo3OW9PMGp6U01WQzVLd1hTSHV5bEtaX3BGdi03QWRXOEQ3SVkxQkk0aHp6T2Jhamo1Y2NzNW8?oc=5) · American Banker
- 2017-01-26 [NATIONAL BANKS OF CENTRAL TEXAS BECOMES NATIONAL UNITED - Copperas Cove Leader Press](https://news.google.com/rss/articles/CBMikwFBVV95cUxOOHdndzVZdWhTalVjTWMtZUl1dWwwY2Y2M0YwS3RPYlM2RzZnTFhOUEZkZE9TNldGeWpDRmRuZ2g0WU93bDNOcExiUUNuOXEzMnQ5V2lGUlY4X2RmLW82amlEVGg3dUNrV0ZmTnhxWlQwYjNRWEVwX2VOV1NXMHJ6emdlbENSSHRmM3BUN2kwWmxfU3M?oc=5) · Copperas Cove Leader Press
- 2020-01-13 [Lubbock National Bank to open a branch inside United Supermarkets on Parkway Drive - KCBD](https://news.google.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?oc=5) · KCBD
- 2020-08-30 [Bobby Jack Smith Obituary August 30, 2020 - Grace Gardens Funeral Home & Crematorium](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9VbVYybkp3LTFJejNmLWNtUnN1czJKZkhfbnc1Q2JVdlY1LWZLcF8xaEFYVDR6dTZRbHAwdWVhSEdsS3JEOHNpcS05N2tIOHVWQ1ZJZGZsaC1xeHlPQ3BfbG5WOA?oc=5) · Grace Gardens Funeral Home & Crematorium
- 2019-12-23 [Cheyenne Angeliss Harrington Obituary Dec 23, 2019 - Scott's Funeral Home | Gatesville, TX](https://news.google.com/rss/articles/CBMiZkFVX3lxTE4tU1VVT2dEVzhSN0lPcE16TGpVanphNFlWYkpkRTFGd0REOUtIeGxzMzhyYWhpX25mSl9iU09hZTZIZExzNjVJc3YxbzRRVWh0WnNvOTdtZkVFWFhmYWUxYnR5TVpRdw?oc=5) · Scott's Funeral Home | Gatesville, TX
- 2020-12-03 [BancorpSouth to acquire Texas banking company - Daily Memphian](https://news.google.com/rss/articles/CBMijgFBVV95cUxQLUYyT3RyVGZRLXFJOEdwbmhpT0RBWGdmQ3BPdWw5a21hUkhkRFd2VS1ySXR3VEJVd1JGVUZkWmNBdzVVZ3kweUtRajVJQnp0NWhyYmVPU1pJZ0tiME5yRUVwM2hzTzJMekdPV3Q2dkNLYm5qT1ZiVm95NEdRT3huMHBYYzU3cEotOTlELVVn?oc=5) · Daily Memphian
- 2019-03-06 [City applies for grant to improve intersection where car hit crossing guard - KXXV](https://news.google.com/rss/articles/CBMisAFBVV95cUxQeTVvbG82V1dJQUx1cGtzeVJjeUxmQUNKSHhiM0o2U0xGbExFNXRaaEd5d1FkNjl3djhnTkE4Z1JIQUtodFhHTV9QdVhJU2xGT25vcGhfNXlJa1RlRlFlTzFHLW9jOUdvWjlpYk1XbkZhb0o1VnF2anBEeVgzdVVxVG9sckNaOXBDRkJ1SmJwb1VOUFJvelk2Q2Z5Yk1mUHBicjBPMEVQcDM4T25mU0xQTA?oc=5) · KXXV
- 2021-04-12 [BancorpSouth to merge with Cadence Bank - desotocountynews.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOM2lFdmtDRFVBcFo5MU8zMW80dDFENFNMWEl1eHlMWUZhZnFFMmFvQjg4TTZLVjJ2RXJLbUNlSnZxeTVSM0YwS0xuclBDN1UxUkhTc1NWNE1vSnEtaWEwX2VzT0dzcUo3SVh3eUJ4X1YzS0pPdElaVzdoVU9KaGVGVTJBY1dVZ1dnbkpoYndOSQ?oc=5) · desotocountynews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3214 (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/14.json (key "3214", 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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