# UNB BANK
MOUNT CARMEL, PA · FDIC certificate 7631 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $167.3M | |
| Deposits | $156.4M | |
| Loans and leases | $90.3M | |
| Total equity | $10.0M | |
| Loans / deposits | 57.23% (p27 of band) | 73.59% |
| Liquid assets / assets | 41.81% (p66 of band) | |
| Uninsured deposits / deposits | 9.83% (p13 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.33% (p15 of band) | 11.76% |
| Unrealized securities loss / equity | -69.79% (p3 of band) | -6.57% |
| AOCI / equity | -4.00% (p3 of band) | |
| ROA (annualized) | 0.14% (p8 of band) | 1.17% |
| Net interest margin | 2.67% (p7 of band) | 3.93% |
| Efficiency ratio | 95.11% (p93 of band) | |
| Noncurrent loans | 0.12% (p36 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p61 of band) | |
| Reserve coverage of noncurrent | 687.39% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 4.19% (p27 of band) | |
| Auto loans | $895,000 (0.99% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.3% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | deposits shrinking |  |
| 2014-03 | 2 | expense ratio p90, uninsured deposits leaving | deposits shrinking |
| 2014-06 | 3 | deposits shrinking |  |
| 2014-09 | 3 | capital falling | deposits shrinking |
| 2014-12 | 2 |  | expense ratio p90 |
| 2015-03 | 3 | losing money, expense ratio p90 | capital falling |
| 2015-06 | 1 |  | uninsured deposits leaving, losing money |
| 2015-09 | 2 | uninsured deposits leaving |  |
| 2015-12 | 1 |  | expense ratio p90 |
| 2016-03 | 1 | expense ratio p90 | uninsured deposits leaving |
| 2016-06 | 3 | capital falling, uninsured deposits leaving |  |
| 2016-09 | 1 |  | capital falling, uninsured deposits leaving |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 0 |  | expense ratio p90 |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | expense ratio p90, NIM <2.5% |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 1 |  | expense ratio p90, capital falling |
| 2021-03 | 2 | expense ratio p90 |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | expense ratio p90 |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | deposits shrinking, assets shrinking |  |
| 2023-03 | 3 |  | NIM <2.5%, AOCI drag >20% of equity |
| 2023-06 | 2 |  | deposits shrinking |
| 2023-09 | 4 | capital falling, deposits shrinking |  |
| 2023-12 | 1 |  | assets shrinking, capital falling, deposits shrinking |
| 2024-03 | 2 | NIM <2.5% |  |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | expense ratio p90 | capital falling |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | NIM <2.5% |
| 2026-06 | 2 |  |  |

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

- 2026-03-23 [Patricia Ann Wetzel Obituary (2026) - Mount Carmel, PA - Joseph J. Stutz, Inc. Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQNUpsdUFsV09SR2NYS0NsR2pEa0xCUWRrZ0JTbVY3eW5kVUNDMHhzMDhIYnZ3LUFNVnBFRjR4QkVCQ1lsdlVxck9oajRqdGtBbVQ0Q3lZbEZ5MEYtVlkySTRkSDhYdEtGeW1sSjVrUDZYamNlUmdITEhMZDhjSWRhRU5ic0s?oc=5) · legacy.com
- 2021-10-19 [UNB Bank names chief credit officer - The News-Item](https://news.google.com/rss/articles/CBMivgFBVV95cUxNb1RJNlBELXVCLTVJSGlxaU1nVzhjSXl2T2RTWmRPZlgzMlBxSHFvZXNLVzBOVUFUZHRFN0l6d0toNE5jNDI4REhtTEhmZlFNNm5KcE9XaDlwQ3hCOVJscVpPaG5TSEp6SW9kdE95QkxaYmJxdmVFekhST19xZHlmdG1kdXhiYWs5T21QS0l0NlJEX2QxbWctT0pQMEpmOEJ2REZGLTZobXJEbHFhWVEzdHAtYTQwRHFfdzVvWEt3?oc=5) · The News-Item
- 2026-08-18 [Identifi Announces 16 New Bank and Credit Union Customers in First Half of 2026 - Business Wire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQMmplVjNCVU5Wc1E5cDNiUmczTmdHekZ2NkxMcHd0RExxUzg1VVlydWJ6MVVCdlBrX0ZaZHdCeFBZM0plSUtCMDg5Vk1XUkcyYmc0UzJ0anNJMXB3OFF4endyQ2VXVWhPTVd5b3BrX2lvS055emE0Wmtkbi04Y3pZc2piOFd1elZpSUJ4a3pLWTNicG9mOUV3ZTI5Nk1OY0hBRGY1TThkUnhqUjJmTDBSa1BBUXdveTl2WWNNN1JYSnlhMEVWLWMyR01rVTI4X1NjWVE?oc=5) · Business Wire
- 2016-06-30 [Fidelity Bank promotes Kazinetz and Pash - Times Leader](https://news.google.com/rss/articles/CBMijAFBVV95cUxNckg0SFc4YnM1OFgwM1hGWXotQXNuMUMxNHZYamFyQko5NEtXY3VUc0pQQjZpaG1vTnItc3I1X2w5LWpPMm9uVElZRDlReHRBekRNd2Y3WFNCME5rVXBpNW5BWHhKNmxiWEk0Q29BUFpJeFZEa3BUOWhUWklhTlc2TUhZTHZXb3pWWFpydw?oc=5) · Times Leader
- 2017-08-05 [People on the Move - The Citizens' Voice](https://news.google.com/rss/articles/CBMickFVX3lxTE9kTktxdTNEWkRHWjItVjdHOTdyenZ1SWxhWld1T2R0alAyVmlNTGhoenN4ZllUS0NVTVBsZVR0WVdEeEx0NzdsVWxsRHJiWHdLamN4TXJNZEZlLVdOYW9xTE5iY0RIVG95LUhJdUpIbXpnZw?oc=5) · The Citizens' Voice
- 2016-06-30 [UNB Bank announces new hires - Times Leader](https://news.google.com/rss/articles/CBMid0FVX3lxTE50N1lFcXA5dENhOXZpY2FhVGNfS2k5MGhOcXpHSTlTY3I1ZHZTUVF2bktZbFhodE1rRlUzcGFGRmtYTTAwRUlxYk5LcUZram8xSk9jdEl2czVwdDRoUkpoLW4tbG5NXzdOM1huU3NPN18zRWhIUklv?oc=5) · Times Leader
- 2026-07-27 [John J. "Spearsy" Spears Obituary (2026) - Mount Carmel, PA - Joseph J. Stutz, Inc. Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1KbEN4azR1NkQwRnZGNnVVb2NCMmNMNC1ZWER0Q0tEX19Kb0FzRWRELUF6STVycC1iVkNWVXkzX0JQZUM2SUlBMHZ0NlNzVG41WTZvNG9JQTFYbWtPblFGa3BDM2ZsMmxIM2JRTmVscTZZTGFSaDZJWXlOcllMaWM?oc=5) · legacy.com
- 2026-08-18 [Identifi Announces 16 New Bank and Credit Union Customers in First Half of 2026 - AOL.ca](https://news.google.com/rss/articles/CBMiggFBVV95cUxNc0NGODZYVlhyTmpzQjU5N1NhUkRONUFFZEUxako0REVHZlR2ZXFZVVZFWDVwQ3Y3YWREZlRNazlBYjhYbUtYbThYOHh4cTBDOW10R3hHZWlUaUJPR3JCdmFoZ040eUpIQ3dNclNWamUzY0E2Y3N0TlR2LUlPMl9WUWFR?oc=5) · AOL.ca

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7631 (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/15.json (key "7631", 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