# UNION STATE BANK
ROCKWELL CITY, IA · FDIC certificate 8514 · asset band <$300M · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $38.2M | |
| Deposits | $32.1M | |
| Loans and leases | $18.8M | |
| Total equity | $5.5M | |
| Loans / deposits | 57.46% (p26 of band) | 70.28% |
| Liquid assets / assets | 45.05% (p72 of band) | |
| Uninsured deposits / deposits | 15.20% (p80 of band) | 8.25% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.31% (p44 of band) | |
| FHLB advances / assets | 1.31% | |
| Tier 1 leverage | 14.27% (p87 of band) | 9.92% |
| Unrealized securities loss / equity | 1.80% (p38 of band) | 3.23% |
| AOCI / equity | 2.24% (p62 of band) | |
| ROA (annualized) | 1.49% (p87 of band) | 0.69% |
| Net interest margin | 3.48% (p28 of band) | 3.86% |
| Efficiency ratio | 61.29% (p21 of band) | |
| Noncurrent loans | 0.16% (p17 of band) | 1.38% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 1041.94% | |
| Real estate % of loans | 35% | |
| Construction % of loans | 10.98% (p40 of band) | |
| Auto loans | $608,000 (3.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 9 | |

## 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 | 0 |  | reserve under noncurrent |
| 2011-12 | 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=8514 (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/2.json (key "8514", 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