# UNITED COMMUNITY BANK
GONZALES, LA · FDIC certificate 34777 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $197.6M | |
| Deposits | $160.3M | |
| Loans and leases | $160.7M | |
| Total equity | $21.5M | |
| Loans / deposits | 98.58% (p91 of band) | 71.50% |
| Liquid assets / assets | 13.27% (p8 of band) | |
| Uninsured deposits / deposits | 20.24% (p76 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.59% (p76 of band) | |
| FHLB advances / assets | 7.59% | |
| Tier 1 leverage | 11.55% (p66 of band) | 10.45% |
| Unrealized securities loss / equity | -0.06% (p28 of band) | 0.49% |
| AOCI / equity | 0.30% (p32 of band) | |
| ROA (annualized) | 0.77% (p48 of band) | 0.81% |
| Net interest margin | 4.71% (p92 of band) | 3.66% |
| Efficiency ratio | 68.73% (p37 of band) | |
| Noncurrent loans | 1.09% (p60 of band) | 0.76% |
| Net charge-offs (annualized) | 0.72% (p97 of band) | |
| Reserve coverage of noncurrent | 150.09% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 112.63% (p97 of band) | |
| Auto loans | $178,000 (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | assets shrinking |  |
| 2012-06 | 2 |  | construction >100% equity |
| 2012-09 | 2 | losing money | assets shrinking |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | charge-offs p90 | losing money |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | construction >100% equity |  |
| 2014-12 | 2 |  | reserve under noncurrent |

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

- 2026-05-31 [United Community Bank - Biz New Orleans](https://news.google.com/rss/articles/CBMigAFBVV95cUxQREJGaUtpTENRRlVXdW9pUE5XOEVhaGxxMFhOYi1hLV9RYjktX0ZKN3BKaVhncWZzRXRXemZoVWhWVXU3NHg0YkUwNjVwc19oRmpBUEh6TXVkc1VrTmJwd2V6S205clM5NFlTYWhEd3BuZjcwZWotdVQwa1pzNTlPMQ?oc=5) · Biz New Orleans
- 2024-04-22 [United Community bank officially opens $65M downtown Greenville headquarters - SCBiz](https://news.google.com/rss/articles/CBMimgFBVV95cUxQSEVPaGFjMkV3OHZBMmRVempiN0haWjBGS0o2THItbU91ckdyd08zbEh3X3ZnTTNsZy1mUURaR3AxN21qSVFSWFA3MHQ1aHdOWFlDTHVSX01QYk4xd1J2bEFyU0ItN0VyNjNJTGVjSkhrQ2RlQ08zRWhJZ3V3M2pxejJOQ0lfX0pMbnV3M0NzRldXM280ZnVVVkhB?oc=5) · SCBiz
- 2022-04-23 [United Community Bank announces promotions - lobservateur.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPOWZvV3IxT1I1eVk1Y3hza19OVFNKSHdLay1DVjJ3VHhtVHZfeXZ0UFpiTWVmWWFRd1BZR2pRNjhvRFExWWNNSE9GODRHVGxQbnNuSW1yQ3FodnQ0SVlUNGRockpLLUlkRElNRk96amlKaHczd2tiS0lDaXlWRE1UNHJPNFVTUQ?oc=5) · lobservateur.com
- 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
- 2022-01-10 [United Community Bank expands service capabilities with new Mount Pleasant branch - Post and Courier](https://news.google.com/rss/articles/CBMimgJBVV95cUxNZ3lJWmZTbUJScmhqZkZIVmhOVVRlb3U4MWZpRGZRVnFja2NiZW5NeEVBN2UwdjRxRTNjTUJNM0tqNm9mVjkyU1JTS251RWNYRlpHWXBVc0Rrc29nRm03b3E5aHh4YkhtY3ExYTR2YkY3VkJlTy14MEc3b2FWTjdTb3VTZVBPd0N4cmtnZmJLNld5YXZSVHNDVUJvZmdidlFReVlSUDF5TjVVUXk3bTZvSDhBU1IzWU5QRjlfd1FMUW1PcklzWkw3azlYaTViN2pTLWlIdjdOSzJnQ21oM0s5UkxMTFU0Mi10QksxQU1TS1cwb3VjVUh6aXZZV0dhSTZVWjJLS0tjWTlTdG9zRzlXcW1OX0dLbU83UEE?oc=5) · Post and Courier
- 2022-07-13 [United Community Bank merging with Bravera Bank - KX News](https://news.google.com/rss/articles/CBMijwFBVV95cUxNOEpIektWN3FQTDdmS09TZW5xcS00Yks0N0I4NklKeHlhUkJpcnh5ckM4UDctbkEtWm9zUmVfdjJPa2JWXzVTdFZpZ0FVdkxtLVp6dmFObWdldEJ1cnpGQ1VXQndlU1dLSWh4clhNdElNbEJrWF9ORl83eFZ0M1cxczVWRjNRMGx2VUlvcDRaa9IBlAFBVV95cUxNZDdXblR1cVVhazY4S1BIa1hGd0prZlNMNTZMdEt0LU9seXNZcklmSW54ZTRUcy0xNTBXTTFaVkViNmd5VXMybjNjc0ZFNVR4ZDhfVGxhYmNaNFd3ZFFlU0dOS3N5TUZKeHdyYWJmSmczeldmalhTNHZNbTN5SW8xR3RwbUFQd2lTUF84TG9Sd3YzanRt?oc=5) · KX News
- 2014-10-16 [Banks based in Raceland, Gonzales merging - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2018-08-27 [Best Banks to Work For 2018 - American Banker](https://news.google.com/rss/articles/CBMicEFVX3lxTFBwb1EzQ2JIVVYwbG5LMmpKQldpNDlFTGtDQkw3OW00QWxSMUlCQ0Rfb2I1MFdnNDRvU0NqV1V6RE1VZmhyeVI1cXRpNmZyU042WjJ4NlBZN1pWZENpbDFyM2dQRi1aVDZLb3pzbVNaQTU?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34777 (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 "34777", 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