# UNION STATE BANK
GREENFIELD, IA · FDIC certificate 8499 · asset band <$300M · latest filing 2026-06 · live

**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 | $168.7M | |
| Deposits | $142.5M | |
| Loans and leases | $105.6M | |
| Total equity | $23.3M | |
| Loans / deposits | 73.54% (p50 of band) | 73.59% |
| Liquid assets / assets | 29.63% (p43 of band) | |
| Uninsured deposits / deposits | 18.05% (p43 of band) | 19.81% |
| Brokered deposits | 1.26% | |
| Wholesale funding | 2.46% (p61 of band) | |
| FHLB advances / assets | 1.21% | |
| Tier 1 leverage | 9.28% (p14 of band) | 11.76% |
| Unrealized securities loss / equity | -3.02% (p65 of band) | -6.57% |
| AOCI / equity | -0.74% (p35 of band) | |
| ROA (annualized) | 1.41% (p64 of band) | 1.17% |
| Net interest margin | 3.84% (p46 of band) | 3.93% |
| Efficiency ratio | 52.62% (p18 of band) | |
| Noncurrent loans | 0.51% (p56 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 149.54% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 0.85% (p20 of band) | |
| Auto loans | $1.9M (1.76% of loans; DQ 0.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 24 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 | capital falling | reserve under noncurrent |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 0 |  | uninsured deposits leaving |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 2 |  | uninsured deposits leaving, charge-offs p90 |
| 2019-03 | 2 | capital falling, uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2019-06 | 2 | reserve under noncurrent | uninsured deposits leaving |
| 2019-09 | 0 |  | capital falling, reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | uninsured deposits leaving |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | capital falling | uninsured deposits leaving |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 2 | capital falling | deposits shrinking |
| 2023-12 | 1 |  | uninsured deposits leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-02-03 [Union State Bank Data Breach Exposes Personal Information of Customers - Claim Depot](https://news.google.com/rss/articles/CBMibEFVX3lxTFBYWE9PanFNSEVpT3VLT1VuN0FRWkp3N0gzZ0hpRHVWRmozSEE2UzNyMVVxOU9uR3pmR2FYb0lwa3BfRFQ5Q21ESHo5eEZOVldQelNNMllqajF6UUF2ekNOTWhTaTN1QU5QdHcxMg?oc=5) · Claim Depot
- 2025-09-17 [David A. Koch Obituary September 17, 2025 - Caldwell Parrish Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9qMVlEVGJRU2JnclV2VWtzbmczVDVIZFN1bWJlaEhvS2drZ01hVkxsZzVkbHdua3o3Mm5SLTQtTnNqLTBYd1lUbjBxM25DZ19iTGRJbUFlWXpFY3lTVjFTcnZoZw?oc=5) · Caldwell Parrish Funeral Home &amp; Crematory
- 2023-09-06 [FreedomBank to celebrate 120th anniversary with free community meal - Waukon Standard Newspaper](https://news.google.com/rss/articles/CBMirwFBVV95cUxPYzdOZEFTbGhHdkx5SWg0VEducWp0U1lQWlRzVlZRdG43clVib2JuYXk0Z3FJdlhXbWNMSExHMm9MOHRTUV9fTG5rV2hUcG1ZWVp2cjNPQkNvUUFpN19kazZMV1hqZHZYYkp2WVcxdHRBWi14eWlpR0dVX0J4TVF2dDNHR09tX2ZTX3VMeXFxSWx1R1ZnVXJqSmRSNGtPaURXRU5XNkdXUE9BVTNuU1FF?oc=5) · Waukon Standard Newspaper
- 2016-06-09 [Architect used Prairie Style on Central Minnesota banks - St. Cloud Times](https://news.google.com/rss/articles/CBMirAFBVV95cUxNMXIwUXVocERqM2lYTmM5aTdnNjVUZmo3R3hEell0OWZMWnBWVWdmOVNxZG9ndE1keHpOY1owd1pMYUd1RldsbXlfRGxhc3BhR2hpQXoycXBRTWdOR3NwTk9JQ2xRVVFpNG5zb2xpWnZzeFlLWDd5WGZkMEs1OU9KMHZWSll3TDZBMTYwb0dXczNJdDNXRHN1VWFOUWJIZFQtS3VFRXNram9nZkYt?oc=5) · St. Cloud Times
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2009-01-25 [Obituary for LeRoy C. Darby - Leonard-Muller Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiY0FVX3lxTE00andLRGJNOHNIYi00TC1Rdm9BSkswQy1kTWwtOEVHMlRacWs0QXNpYjJWLXJZVnFpdnNLb05vc05aWHAtdmxkT3pXekFoM1Jpa01jS2JJQW5kVkpnV3pKd3JYbw?oc=5) · Leonard-Muller Funeral Home &amp; Crematory
- 2024-11-10 [Norma M. Cornick Obituary January 15, 2011 - Caldwell Parrish Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiakFVX3lxTE9GR3gzcDRjbnNjaV9Mc0FBVW9NV3ZqUHJEV2VESW9iRGlWTXVNX0puakdyMDFncW5wcjlIa0R3d0pTX2Y3M3pFTS14RGhQN2Z3Qmh1T3FtVTE5OVVjeDM2aWR5clBkQS0tbEE?oc=5) · Caldwell Parrish Funeral Home &amp; Crematory
- 2006-01-18 [Merger of Postville, Elkader and Monona banks will make proposed "Freedom Bank" on of largest banks in northeast Iowa | The Standard Newspaper - Waukon Standard Newspaper](https://news.google.com/rss/articles/CBMixAFBVV95cUxQN1I4VXdnUTViVUlzT0FzZVktanJONU1FQ2VFTm5LSjZEVHl4S3A5UkZrX2tDYUxxMlRCYzJOaGktM25MUEVxdDZuUnlJZFlvelI4aXhqNm9qd3dlXzB2V2hEeEZfajFBa2FEN2NXWEpVQ3o5TzFkandLOHFKNzh3dUEyOVE4cGFmVFNiRG1ySFkxUTdRVmVpMWdXMFJ5M3VFLUtIZFFlTnN1bjdYMkhia09rY0U1bC1YNTVXRkNuNzJKb2tR?oc=5) · Waukon Standard Newspaper

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8499 (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/51.json (key "8499", 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