# UNION SAVINGS BANK
CINCINNATI, OH · FDIC certificate 32296 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $4.02B | |
| Deposits | $3.53B | |
| Loans and leases | $3.55B | |
| Total equity | $408.8M | |
| Loans / deposits | 99.73% (p85 of band) | 87.10% |
| Liquid assets / assets | 6.01% (p1 of band) | |
| Uninsured deposits / deposits | 13.45% (p7 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.87% (p21 of band) | |
| FHLB advances / assets | 0.87% | |
| Tier 1 leverage | 10.51% (p50 of band) | 10.50% |
| Unrealized securities loss / equity | -1.97% (p81 of band) | -7.75% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 2.01% (p88 of band) | 1.26% |
| Net interest margin | 2.94% (p13 of band) | 3.70% |
| Efficiency ratio | 48.40% (p20 of band) | |
| Noncurrent loans | 0.70% (p62 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 116.10% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 41.27% (p43 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 497 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)

## 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 | 3 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2012-12 | 1 |  | loans exceed deposits, capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | liquid assets <10% |
| 2013-09 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | NIM <2.5% |  |
| 2014-06 | 2 |  | NIM <2.5% |
| 2014-09 | 1 |  | uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | loans exceed deposits |  |
| 2015-06 | 2 | capital falling | loans exceed deposits |
| 2015-09 | 0 |  | reserve under noncurrent, capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 | loans exceed deposits | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 0 |  | loans exceed deposits, capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | loans exceed deposits |  |
| 2017-12 | 1 | assets shrinking | loans exceed deposits |
| 2018-03 | 2 | liquid assets <10%, uninsured deposits leaving | assets shrinking |
| 2018-06 | 3 | loans exceed deposits |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 0 |  | liquid assets <10%, uninsured deposits leaving, loans exceed deposits |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | liquid assets <10% |  |
| 2019-09 | 3 | loans exceed deposits, capital falling |  |
| 2019-12 | 2 |  | loans exceed deposits |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 0 |  | liquid assets <10% |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-06 | 1 |  | NIM <2.5%, deposits shrinking, assets shrinking |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | liquid assets <10%, deposits shrinking | uninsured deposits leaving |
| 2023-03 | 3 | loans exceed deposits, uninsured deposits leaving | deposits shrinking |
| 2023-06 | 3 | capital falling | uninsured deposits leaving |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | NIM <2.5% |  |
| 2024-03 | 3 |  | capital falling |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | NIM <2.5% |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 1 |  | loans exceed deposits |

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

- 2026-09-01 [Union Savings Bank Uses AI to Reduce Churn, Grow Deposits and Increase Customer Lifetime Value - Morningstar](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPMklhZmRSSWNFNDZYT3ZVTWY4RDYta0p6OXpEVWVvTUVwWlB4QjlfdktueUJKVGVDM0V1b29fMjhXR3F4YTNRenVJNFE1dTU4TjJUMFRwSlRBc3ZuYXpRSzRXUDZsbVhFdTVUNnI4aGRKazVQTUpnbDJIVUZqQktkUlhQM0M2cnJjUmN3X0N2OTFKM0xSZzV0WHRhS0pBXzRDUVQzMHdqVDVTNHRGQ0dTUjM5bDFMTkxDancweWNQdDBVT1RhdzUtWE05REZyTHo3MUE5YXN0ZDd6NnhrUm1sdC1nSy11WEk3TUE?oc=5) · Morningstar
- 2026-01-02 [Union Savings Bank Promotes Joseph Morrissey To Executive Vice President, Commercial Lending - The Newtown Bee](https://news.google.com/rss/articles/CBMixwFBVV95cUxPa0JNN0Z0TWZ4T1N2SFJMMjNYX01rTTVNS2hqU3oyRXd2WEVoSG1STzFiRkNndnZ4eXNxaUp6VG91Vkd1WVB2WWVzQm0wbjZXRlNyUWxiMVc4R19FMWY0Rm9ST1JjX2NHYjFnWnRmU29EalFfN2FMX2gyR1dNeFRrYl9RYXFXSlgtQ3o2SDl0UEF5SjVsUkpMa3hrRlFkS1dudDFWa3dTMV93elh5bHMtMGRWeUd4WUtLeU1TelN6emdkT0NQN05R?oc=5) · The Newtown Bee
- 2026-03-02 [Former CT hospital system CEO elected bank board chair - hartfordbusiness.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPeTh0ZDd5bG9VRE8wbUtEUHkydDdXWnJWOXdlVDc4VG5Pc1ZldEVvR3FjZXBoX2kxMUtKVHJSVkFfLW05YzFTQk93eDdIVmNuYzZ3OUl4XzdJUTllUkJtZnBSRnEzekVjVXFOVzZpRFg4WDJnUG1vX2hZMm5uSHRvZlpkTUhkbDNjUzJka252ZkowNkgtekgw?oc=5) · hartfordbusiness.com
- 2026-04-20 [Buying a Connecticut home? Another CT bank has up to $40,000 to help - ctinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPYVB1VWM5VWJRZHVrelFnVGx2VkltSnFUcGVZc01wSnpMUkUtOE1ES21feEhJZG8zWG10dTBkY1dLUlNSaFNWTFlmR1dWR3FEVWFxaVVGMHg5OWs1R3NJN3hLT1pHeWJhM0p0VW5KSEw3dnkyb2Y4R2kyUlM4ZUpSMzFYQkN2T3RyRjg3b2VLaHdBU1BPWVc2cEFhX3ZZUkZZd3c?oc=5) · ctinsider.com
- 2026-04-01 [Union Savings Bank offers special homebuyers assistance - Westfair Communications](https://news.google.com/rss/articles/CBMimAFBVV95cUxQV1czY2JPVGxUYS1CWDhNVW1uRjNTZW41R3B2dlAyUWxnSDlxU1o2Sl9ZVUZJTklHV2kxWEVYNHNOLVpfcEtjcjBMYzFMMHpQM1BMT3NUNEpZRjdvOXh5bDBNSWRjc3RidXM2SF90clZqd1J4MktySFFMa3hvUTd2VXhQQWswdjNIbTViaXFubkhUWXhvZTdUYQ?oc=5) · Westfair Communications
- 2026-04-06 [Monroe Police: Union Savings Bank employees prevent customer from being scammed - The Monroe Sun](https://news.google.com/rss/articles/CBMipwFBVV95cUxPaU15a0VBdk9jWFltWEVuZVZqRHktem5aa3FNM1RUQTEtZFkxb1Z3TkVJSnVVS2ZIOTUwbXZRQTJveUJIMTZ5X01pN2ZQdTM0SFhITm1WRWRmck5qUzNmS3RkdVo1dDhBZmI0UlMzQzkySm5qYkxNY2RUMWQ5Z3NKdmxoQmpieE1WWm1aQ0o3NXR3d0R6T1EyUWI0eEUzYnFqd0ZDdTBCbw?oc=5) · The Monroe Sun
- 2026-01-04 [Julie Dixon Obituary Jan 4, 2026 - newcomerdayton.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE94a256X1FXbjRDbDhuT1ZGXy02UlJhdk1VNkQtSF9pNlQ0WlRIRmVROHhvdjgyekRFX2RKV2VoNmtXWnAwSlFaRHlVSjhqUzg3bHYtNmZYa0x4MmlGSEZnSmZUaw?oc=5) · newcomerdayton.com
- 2026-07-10 [Union Savings Bank Foundation awards record $693K in grants - Westfair Communications](https://news.google.com/rss/articles/CBMinAFBVV95cUxOYWg0NFQyQ2Zqdnd5QnM2ZkZWSGJkeXZBemkxdmwxa2k2aWg2aGdCQkY5NUpiRzZMbUNzSDBlQ1VXTjk5LS1LOWlnVTlGZlBaSTVEQTZaWkl2dzlOblQyOTNxYVF5eTc5U3VnU0JtTEx3dEM5c3lWNWZyXzlyc0lVRTFCYzlQUkRSb0JnaWRoTXYtVkx2dlZ1TzRzTUs?oc=5) · Westfair Communications

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32296 (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/40.json (key "32296", 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