# UNION COMMUNITY BANK
MOUNT JOY, PA · FDIC certificate 35257 · asset band $300M-1B · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $553.8M | |
| Deposits | $461.7M | |
| Loans and leases | $416.6M | |
| Total equity | $88.7M | |
| Loans / deposits | 89.14% (p57 of band) | 86.08% |
| Liquid assets / assets | 20.56% (p44 of band) | |
| Uninsured deposits / deposits | 14.75% (p21 of band) | 22.10% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p8 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.15% (p95 of band) | 10.52% |
| Unrealized securities loss / equity | -2.39% (p41 of band) | -1.90% |
| AOCI / equity | -1.00% (p47 of band) | |
| ROA (annualized) | 1.07% (p45 of band) | 1.13% |
| Net interest margin | 4.09% (p70 of band) | 3.77% |
| Efficiency ratio | 69.40% (p62 of band) | |
| Noncurrent loans | 0.42% (p44 of band) | 0.49% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 287.21% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 30.26% (p38 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -3.5% | |
| Employees | 112 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | deposits shrinking, assets shrinking |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 |  | assets shrinking |
| 2013-03 | 0 |  | reserve under noncurrent, deposits shrinking |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 2 | deposits shrinking |  |
| 2015-03 | 1 |  | reserve under noncurrent |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | deposits shrinking |
| 2015-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2016-03 | 2 | expense ratio p90 | uninsured deposits leaving |
| 2016-06 | 1 |  | expense ratio p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |

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

- 2024-01-03 [Credit Unions & Community Banks in All 50 States Oppose the Durbin-Marshall Credit Card Bill - Electronic Payments Coalition](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQNVIyczVKbld6VExzUFh5aE5lSFpFMHE3cXVWaEtPcy15d1g3U21zd3NsUGdFcGFkQXRfbk12TDFhVkQxa2NVVC1IeWNtWkNVbUZMNFA1aFdPSXNxUTFFbFJNQy1CTnp3RWJqZWRGZFE0dGZTUU85bGl4R0FoVm55dVByX1NpaUw3QlA4Wm1MRjkzSHVndU5LWS1EMzd3R3NDTlB6MUpFaWZYQ01XOE5heHhBZG43SnRQU3pWUi1JdnpqWkE4Z0ZSOU1GUkhXMkludk1zMFJlMkI?oc=5) · Electronic Payments Coalition
- 2018-06-12 [Northwest to buy Union Community Bank for $85M - LancasterOnline](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQOU9qcExMcXFxemM2QUVmRk0zMm9HZ29WSWtMclVCak45WVNHYmpSNng4c1d2NVVKNDkzN1V4Zmc4NFZZVHpCbkN6RElFQXlTeWlhcG5zV0c4Y01OckFYUnJDaXljS3JFUUZucHl0V2xaNTl4UXNKSWtaWFJIYTEwdGZmOVRsUEtEY1JBcnhWWld2UmxMQko1anRZZHJLZ1BET3prRjJDVDVpOHRJSURNaGhLRU95QjlKSERBOWQwYkc4NFVaR1paQ2x4MmNPZ3VKWWc3M01zazBXeDBTQXJzTg?oc=5) · LancasterOnline
- 2017-04-05 [Man accused of robbing Union Community Bank in Manheim Township - fox43.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNQVJ5Rl8zYjhzWklIejh5RGpVUVNKbVRicm0wdUUtUkpacUZMZkQwd0RNM3pYSjhwMGhYSGZMTlJidHpQLWxrYUpBY1RGNjRfZERndGVCQ0lETGZEVFpJbU1vZElTbGJtYlljbExwVXQ3VnlsQi1kNGtGdFRkTF9RQzBkY29RN1FETGxFbUJqcDVQNmxzR2VlS0VZd1hMTDU1NDNRQUlBQXBseW5SNXNaUFhLdmk1TjNpaUd4VFZwYkd0R0hDeHV5bDdPV3JDSU90MmxXY2RtY3gyOGdlRlZBVW95VWUzcEpMSlE?oc=5) · fox43.com
- 2020-09-14 [Pa. bank to close about 20 percent of its branches - PennLive.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNeGk1Sk00Q0pYVHd6akdLZ2VSVkNnNGVfVExGVUZQeVNPVDIxc1NyODJZX2RqRzVYeFpNSGlXcU5xQWVLa2lHZE5pN3J2UDRKZnBYQTU1Rjc0R3BCSXNmckxqalZWTE5fYVQ0Z0taVGdULUxlTUNGaERsRmFjUjRyeHRSZk9hRnBGdTFuQmdNdmo0aWdiazNz0gGrAUFVX3lxTFBvSWJQallvTzZINC1lUGZpU2l5elBqSkpOYm40U3Q5Y1o0UGFRN0k4VEtjM2RkTzJXOTFRNXhZcC1xdkNnc3d5TFl5eVY0ZU9HejFxUXRJMjdaOXFITkMtU3c3bWFtVDl5MVRkWllNTFdGempfYkQ0VzJpQkp3QnpBVDlOOVREZnJUV3hnWVo2X0Q0N1pKTEhrV3Y0RXY1TVdCWEZ5ZmJCZWYzMA?oc=5) · PennLive.com
- 2022-04-25 [Why Columbus is key to this bank's growth ambitions – even with no branches - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxPSEQ4Mk92dWhMalZfTkNyZUZXSUhseG41UXBRZXNiWC1BN2lLOEVyUzJpYVB4UzBPTmJCMmJqRjRFb0QtOFdPeldnMklqUlBzUVhCU05FeGJiTVVsejN0dXNNYVhyRWlrM2RSQ2kxLWxGWGRxZm55YzZXa01yMmwyQjNNb3JnVHBkYmtBQmdQYl9sWjg?oc=5) · The Business Journals
- 2021-04-30 [Artisans’ Bank adds Kevin Hersh as Senior VP Chief Credit Officer - sussexcountian.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxOa2pQS1NNc21Cb2tBQ0g0Y2ZDVVE5WXo4TWZFaGhhUTV3WWt6cXFwYTBMaE9LNGdRUHE4VnhUUl83QWFQWTctUC02c0tZdnhCNkhxS2M5czJoVHdnblN2QnhvNjBSSldMQTVLUkxnY0VCMzJNTTZCUG1NcDRoa0FkMmp2YXlZSXhSVk8tWkRFdzZOQzBNZXNoRklYd1BMVUpXLURkM1FZc25mT0swUXpnelJJWGlqTlZpQzZqNjVjVE5HTUF5MDdZQzR3?oc=5) · sussexcountian.com
- 2015-12-11 [Gainer to retire Dec. 31 from Union Community Bank, to be succeeded by Diehl - LancasterOnline](https://news.google.com/rss/articles/CBMihwJBVV95cUxQQ0hCbjdnd2JhOUNGYmVVRldNSHNpX2RDS3BHTjJUbnhRd0tYMFdZbjZCV3c3WklFbXA4Y1QtdVNNT2YxR3V5N2hFY1pwRkNwRG83NXg5OVNpeXU2MnA4bWVuNGtlZEV1SkdNZnlEdjhuYXYya0hGQnN5S09jVVRYdjdVdlhfYl8zS2FvYUhVdWxBQk5JZHBuVUdXSW5EbDFiZ21SSmlkaTBVM1U0NXdyX0lNUXdJUS1nQmRzR2RHb1l5NTQ0blIydnUxNTUxOEM2Q2ZmeEZRb3JnWEtpN3JieHhLTFl4cFRnekFWT1ZoX0QyLWFMWWtjTWtRR2tXT1RQNXgyY1BfQQ?oc=5) · LancasterOnline
- 2014-05-18 [Bank robber sought in 9 heists in New Jersey and Pennsylvania - NJ.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQN1k4QVZSbFczTGhjOGk1YVFreTNlRnVPRlUzbzF5NzdvWGNubzFRMml4enF5QzNVNmVCeFFLRnJfbFd6M0RkWEdBZ3dvZlBZVko4eGtTTDBwbWRrNGVTVnA1NVA3M3hQVTBxMEczYkZSVTRoNklEcmFrX3JSR1BSS0xPX1JrdUZKTmVqMU1ja0FJc0ZiTF9zazY1SXl2dzB4elhPM1IyU1pMbmM?oc=5) · NJ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35257 (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/57.json (key "35257", 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