# UNIVERSITY BANK
PITTSBURG, KS · FDIC certificate 34985 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $114.0M | |
| Deposits | $92.0M | |
| Loans and leases | $72.4M | |
| Total equity | $15.8M | |
| Loans / deposits | 76.84% (p56 of band) | 73.61% |
| Liquid assets / assets | 36.04% (p58 of band) | |
| Uninsured deposits / deposits | 26.33% (p88 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.25% (p66 of band) | |
| FHLB advances / assets | 5.25% | |
| Tier 1 leverage | 13.73% (p81 of band) | 10.70% |
| Unrealized securities loss / equity | -0.32% (p12 of band) | 0.86% |
| AOCI / equity | -0.28% (p19 of band) | |
| ROA (annualized) | 1.25% (p75 of band) | 0.84% |
| Net interest margin | 3.58% (p47 of band) | 3.64% |
| Efficiency ratio | 67.84% (p38 of band) | |
| Noncurrent loans | 1.16% (p63 of band) | 0.69% |
| Net charge-offs (annualized) | -0.08% (p5 of band) | |
| Reserve coverage of noncurrent | 204.42% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 8.89% (p39 of band) | |
| Auto loans | $1.0M (1.42% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 26 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | capital falling | reserve under noncurrent |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |

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

- 2026-09-03 [University Bancorp 2Q2026 Net Income $2,350,713, $0.45 Per Share - Yahoo Finance](https://news.google.com/rss/articles/CBMiowFBVV95cUxQd3haS004WGl1NF83cW1qTkRBMkJaNGpOWHo5XzY5a3NzSzBBNkFHQmFzVDAyYnhPMUlHa0MzV2dTOFM2TGEzc3RYeHJRdGVWUnhZS3M1N0hMOVBJdTlIUElrTlRSeFlURTlvWktSUnFhcEZjdDB4ZlhBNGhXU2pBdmhxX3hGcWNpaS1wZFI5alFzdGZYSzQyN0ZyZmFWRkFnUHF3?oc=5) · Yahoo Finance
- 2026-03-05 [How to choose a bank aligned with your values: A comprehensive guide - Bankrate](https://news.google.com/rss/articles/CBMiiAFBVV95cUxONnBUT05xVWo3Qk90M0VrOTJvRkRUMGxOSFRHWVZmenJ3RE5teFE0UnZEUVhjTHVUVEJPbUFZLWZHQ19wQjlNX2x6dnd3aU9jWEtqNWNzQWpJQlJWc2tMVGJ0clBLY1NHSVhuSVFTMTZSYUMteWFqWS10b21IdmVfY1ZkQWFQMzho?oc=5) · Bankrate
- 2026-05-11 [University City-based bank expands footprint with Glen Carbon and South County locations - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPbTRycXdsTkV1bHJzcGJkbVBGUHl2SWFYV3JidWdJUEp0ckFCYUE3cUpUdnpuNF9CcVVLam1WeHk5T08yNDJuOXJSOVQ4bmV1UXZtSWpuZFJOYnFYRnhDNWFfLWlTN1E1VkNUS0x2eUR4LTFicnRQMUFDS291X2ZOWXFYNS1VZndpQi1jbGN5TlJmSGNhY3RGRWd4SVM2M1ZxOUpRajZqb2lSTFk?oc=5) · The Business Journals
- 2026-01-12 [UniBank CEO Michael Welch to step down in June - Yahoo Finance](https://news.google.com/rss/articles/CBMiggFBVV95cUxOSm9Na2swYTlkeWtTMWhvMHVob3hJVzlabUxoZFp1NzlidzNUSUFYYjJuTGxwVEJBaFR2Y1VHOWJjc0lIUkRiQS1pWWNYamp0cWV2SmM5R1V5d1VQbkdOOTkwQWdmc1J6VkZJYlA2NHJra25PUDFnLUkzRWJqUm5MTFNn?oc=5) · Yahoo Finance
- 2024-07-11 [20 community banks with the largest first mortgage loan portfolios - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxNLVhRMW03dUx2ZHd6RDJ6R2NhaS1FZl9VLV92RnI0bkttTlFiS214UHQ1RnUzLWZXX1l6Z3Ixalg2bXRhWWRUdDk0cFdra2dJbjI5eW9fRjZIV19ZVFQ3RnVwcG9CY3JJYno0Z09rMTg1V19ZbzRSSThvdjdPazhoeVFkNS0tZEUyaDU0R2FtRDBaMWdteEpGb2NuOHVpcFlWRUJnVw?oc=5) · American Banker
- 2023-03-14 [7 key questions about Silicon Valley Bank’s collapse, answered - Los Angeles Times](https://news.google.com/rss/articles/CBMipwFBVV95cUxOV1dZTmszbHJTcVZwSDRXM004Vl9MZW1XUl9oRFRjTHkyTTFvMThjc2RUb2NMd0ZVeU5hMktmSVBsYTVxT0pGUm1CRWsybDRrZ0J1R1BjYkFMd3JEX2FuZWNudUlTd194X1lWX0c1YnRsT2wtN0ZZQlAxdkF3QWxHelROakdJWFFiLU1TNFk4ZEo3VGtNbFhqUHp2eEh3Nm9sbTYwbGpBRQ?oc=5) · Los Angeles Times
- 2026-02-07 [Tanuvas staff held for forgery, embezzlement - The Times of India](https://news.google.com/rss/articles/CBMiugFBVV95cUxQZ1Ezenp3RWpnYVNrZnVFeEd4aExOV05CTDliMG1Zank5UFU5TUZJeVMwMXFKSVRQT195cXJVRnN5eWJZbWVoREY1YkNwZHp4OUxDMTdKTkk3dl9SR3NiaDRRbUFsUExSb0l5SlBMdlRmNGhxMUY4QjBYQkl3R0pBdlJ0UzBQUHlCZ3EtTEx0VVItOFhJY252M2J3V3BOZWZfeU5Ka3pVb1RlWjRNNXhCSW02S0c0cDBxRnfSAb8BQVVfeXFMUFEwb05ueWNabUZlYlJZWDBWa0hkQklSX21GRUc1MTNwZ0dBdE13V2E0WEFVQTBPaDJNM0UzenlTOVh3eVlzR2Y3RlRuWS1HTkdhR0JoYUVfWTVnQ1hheW9zSEJieUFjUVNMWEpHYXR0Q201TDExV0VIX3dLVUVzUHlCQ056MVRFVjVXUVdoZjR5dm55TjU0LXM2MUFoMDVfMlhsWmR1UjZXTXc1akV2TklIdWl2bjVNSW9xdjROSkk?oc=5) · The Times of India
- 2024-02-01 [Thomas A. Dunham (April 12, 1949 - February 1, 2024) | Obituaries - koamnewsnow.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQUjhkZTVjamt3REVrdE02NUJxLVFqRTQyc1RwcEtoYnU5cWo3MlVNbnAzQ2ptODJRQmROWUljaWJoNndkMzdLbFJBdmN3dkhqcnh6TDFzdl9ESjQ3UGFUT2ZBTHVtTUhvUUZ3cGkxVmNfblgzVmpHNUJIbm8taUZubVJjOU1yeHFxRkVvcW4tQWViU3FKcGk5UVotd20xT0xLeFhSbGUycnJ3R3oyUGF2UWVrMGpBZ00tckhyUVZIX0F5T2hxdUVwU1dRNFlBcnlHZ2c?oc=5) · koamnewsnow.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34985 (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/41.json (key "34985", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide