# UNITED COMMERCE BANK
BLOOMINGTON, IN · FDIC certificate 35306 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $120.2M | |
| Deposits | $106.5M | |
| Loans and leases | $83.6M | |
| Total equity | $13.6M | |
| Loans / deposits | 76.66% (p64 of band) | 69.26% |
| Liquid assets / assets | 27.90% (p34 of band) | |
| Uninsured deposits / deposits | 17.05% (p71 of band) | 11.87% |
| Brokered deposits | 2.62% | |
| Wholesale funding | 2.62% (p54 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.47% (p66 of band) | 10.33% |
| Unrealized securities loss / equity | -9.72% (p10 of band) | -0.53% |
| AOCI / equity | -5.99% (p31 of band) | |
| ROA (annualized) | 0.18% (p15 of band) | 0.77% |
| Net interest margin | 3.78% (p59 of band) | 3.62% |
| Efficiency ratio | 91.15% (p84 of band) | |
| Noncurrent loans | 2.94% (p80 of band) | 1.08% |
| Net charge-offs (annualized) | -0.02% (p10 of band) | |
| Reserve coverage of noncurrent | 81.84% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 22.20% (p59 of band) | |
| Auto loans | $248,000 (0.30% of loans; DQ 4.84%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -15.0% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | charge-offs p90 |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking | losing money, charge-offs p90 |
| 2012-06 | 4 | uninsured deposits leaving |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 | charge-offs p90 | uninsured deposits leaving |
| 2013-03 | 3 |  | charge-offs p90 |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |

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

- 2013-08-02 [United Commerce making its withdrawal from Bloomington - The Herald-Times](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPRDFBeHBhUVN3MVoycFYwQWh2WjVzQkVXVmI0dXY5SU90VUNhdmg2M05CNy03ZVR1cEl2TVJGVG5zRFFvVmNWWmg5TDFCelVvWTJrbTgwSXhRTy1uNGRDUkRZMFM2THZWVVdKd3pRRWVPZG5memJXaHpJTlhvc251MXJCUjZCdzd6VFloTXFiMGNoa1ViUU9MV1pyaWNHQldMM04tVTY1VDFYQVItOTEybi1lbFZQUURHY044QlBYNjU?oc=5) · The Herald-Times
- 2009-09-13 [Suspected serial bank robber caught in Missouri - WRAL](https://news.google.com/rss/articles/CBMiTkFVX3lxTE1zUUpMM19WT3lxbTQ3TmFOQmlnM1RkRW5oN0ladVBJR3hhc2FDR3h0VTdZbVRjSEFEVGJCcC1PVmVtbkxxTlB4UDlEcFhMUQ?oc=5) · WRAL
- 2019-04-19 [Kenneth Perry Obituary (1932 - 2019) - Dallas News](https://news.google.com/rss/articles/CBMioAFBVV95cUxQSHRibFdKYVdaclY5Z2RwOW1IcFJVOFlIWUU4V0FrdWRvdGUxdzNVcFA1OXRjWWFoQzdMdEwwc0I0emZjQ3huamhhNG5DUUFyZFZDZ01NYmRpX2p4aGo1QmlOaURYcGg4bWhEcTd1UVZQcFJFemQySnUzUzUzbnN3cXRwRGl5eXYzUlhiaWx4UUdnNEtZOHlGcWotZnZMUlNK?oc=5) · Dallas News
- 2006-03-05 [Local business - The Herald-Times](https://news.google.com/rss/articles/CBMihwFBVV95cUxNeS1BNU9xOXo4Q3R2WFBNa1FKbGFhcWZUZkZsNmtyakhnWHl0N3ViRmlodjRUTGxxRW1uRVFEY0dmZVhNRlg4WTBEXzNaemNVVDMtWDQ2VC1uMFd5RVZrUGs2Mi1pMHRpTHN4aC0wRkJZOXZQMXJXWHBIdTZDVGVZdmEyQnFuWWM?oc=5) · The Herald-Times
- 2010-11-19 [Suspect in Monroe Bank robbery had been placed on Community Alternative Supervision Program same day - The Times-Mail](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOWUhTWTMyNUxWdW9TNUNNd3ptQXZ1Mmh2Y20zenI0YnF0TjdNRVRNMlJ3Y2lRVzlmUFZOSURPRnZ4XzByRWxUYTFlSm1McF9IVE9sZ0E4X0hGVkZDUjZrTXVHNXdPdGNqQ0lyQTY4NlJuT2tjamJUc3ZSV3NqeWJnck00NmNVWWxSM1B0RV8yT1pveEQ0R2ZyS3RmVnNNaDFyLUMzalBLT0VkOHNHU0tOd1RHY2FlMXBHRFhjRW9nak1rT1FGbnhyd3JYajFjb3MyV0JXVkt3WTc2TUlFaWZzUnlCYm83VkJCREs0?oc=5) · The Times-Mail
- 2005-08-28 [Local business - The Herald-Times](https://news.google.com/rss/articles/CBMihwFBVV95cUxNZXprQ2Zod3hkbC1wMFZTeXNPb1Y0WHZfanFRYzBNM21YQVZlOThLVGxTSDlLZU43N2hXRU9iQzhFMTBEY0M0TF9aMWktaVZmZDRMWktuNFZSaDUwdTdFVGl6SUhnekVoVWp1ekpJZWltdVBkZ09nOUduT2o3bjJFM2p1NEhuVHc?oc=5) · The Herald-Times
- 2008-11-18 [Police seek man who robbed eastside bank today - The Herald-Times](https://news.google.com/rss/articles/CBMisgFBVV95cUxPZWpFZ1FnVF9oOWRBMG5xdjRwRm5WeE9LWTNpX05WcC1meVRKTmFXdzVXaHVWUmhEeW5BOTB0cDQ5a1dDMUVpVFlRTW5WWmJNYkJIcENGZDJBYUIteTZqd0dXT2JOZlhrcExpeHZ5X1ROTlNWZF9ZczNWbUtoOTh6eGRsZXlWd2tILXZjRGlOd005ZFlFdzc2UWlvYjVMcUdVSXMzc1dkSWg5U0l5cTd3WWtB?oc=5) · The Herald-Times
- 2008-06-29 [Local business - The Herald-Times](https://news.google.com/rss/articles/CBMihwFBVV95cUxOdUJpMDgtendYMEFjWnR2OE95TjRNcmxjTFo1Vnh0RjhkakV6ZzctSndUOEZySGNCTi0tcHhsVHVzT09aVW1fQ08yS3JKcm1iY3JoTlBTTWJyb25IaG8zWEhqVjBucVQ1TWh1NWdwaUVkOGhYeHpnQ1BOU1JzN25nLUV1ZlNXQkE?oc=5) · The Herald-Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35306 (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/42.json (key "35306", 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