# UNION NATIONAL CMTY BANK
LANCASTER, PA · FDIC certificate 7635 · asset band $300M-1B · latest filing 2011-03 · 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 | $454.6M | |
| Deposits | $395.4M | |
| Loans and leases | $317.2M | |
| Total equity | $39.4M | |
| Loans / deposits | 78.62% (p51 of band) | 78.23% |
| Liquid assets / assets | 23.72% (p37 of band) | |
| Uninsured deposits / deposits | 5.74% (p20 of band) | 11.67% |
| Brokered deposits | 2.72% | |
| Wholesale funding | 5.11% (p37 of band) | |
| FHLB advances / assets | 2.38% | |
| Tier 1 leverage | 8.42% (p30 of band) | 9.23% |
| Unrealized securities loss / equity | -1.65% (p17 of band) | 0.92% |
| AOCI / equity | 1.74% (p93 of band) | |
| ROA (annualized) | 0.22% (p22 of band) | 0.63% |
| Net interest margin | 3.56% (p41 of band) | 3.68% |
| Efficiency ratio | 89.45% (p87 of band) | |
| Noncurrent loans | 1.35% (p33 of band) | 2.23% |
| Net charge-offs (annualized) | 0.50% (p70 of band) | |
| Reserve coverage of noncurrent | 146.69% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 36.59% (p45 of band) | |
| Auto loans | $275,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 126 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7635 (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/19.json (key "7635", 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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