# UNITED COMMUNITY BANK
PERHAM, MN · FDIC certificate 8544 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $359.3M | |
| Deposits | $326.7M | |
| Loans and leases | $214.3M | |
| Total equity | $29.4M | |
| Loans / deposits | 64.63% (p18 of band) | 82.04% |
| Liquid assets / assets | 38.26% (p80 of band) | |
| Uninsured deposits / deposits | 13.90% (p10 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.02% (p24 of band) | |
| FHLB advances / assets | 0.02% | |
| Tier 1 leverage | 10.49% (p45 of band) | 10.81% |
| Unrealized securities loss / equity | -32.13% (p11 of band) | -8.10% |
| AOCI / equity | -0.31% (p53 of band) | |
| ROA (annualized) | 0.88% (p26 of band) | 1.28% |
| Net interest margin | 3.47% (p27 of band) | 3.91% |
| Efficiency ratio | 73.70% (p80 of band) | |
| Noncurrent loans | 2.95% (p94 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p52 of band) | |
| Reserve coverage of noncurrent | 49.49% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 68.10% (p70 of band) | |
| Auto loans | $5.8M (2.73% of loans; DQ 0.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 54 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 2 |  | wholesale funding >15% |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 3 | wholesale funding >15% |  |
| 2015-09 | 3 | capital falling | wholesale funding >15% |
| 2015-12 | 3 | wholesale funding >15% | capital falling |
| 2016-03 | 1 |  | reserve under noncurrent, wholesale funding >15% |
| 2016-06 | 2 | wholesale funding >15% |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | wholesale funding >15% |
| 2017-03 | 0 |  | brokered >10% |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | deposits shrinking |  |
| 2018-03 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 1 |  | deposits shrinking, assets shrinking |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 | uninsured deposits leaving | capital falling |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 3 | construction >100% equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | AOCI drag >20% of equity |  |
| 2023-12 | 2 |  | AOCI drag >20% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | construction >100% equity |
| 2025-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

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

- 2026-07-08 [United Community Bank Welcomes New Mortgage Lender - Lakes Area Radio](https://news.google.com/rss/articles/CBMikwFBVV95cUxPSi1zWXo1S01yOWtJRzVwdHJFaUR6VjNaNW8xRnFrNXR1bHIzM0s1MXM3dEhZRzk4UXlKb2t3anFXRUNCRTZtajloR2l6RHJKRVQ5WFhjOHVFSUNkLUhQek9WLVhlWklXSFdxME1CUEJLRkR3SzMtQW9QUVExcTVZUVpiWnRMLTNRcDNNSDlleW5qV1U?oc=5) · Lakes Area Radio
- 2026-01-06 [United Community Bank to offer extended-hours video-teller service at new Winston-Salem branch - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNTGhQN3dQMGtla2VrUXNOTjk5Z3d5b3o3RDJZdXhna0h6eFJBQjY1cnpCZUpfcFFtSGpCSEVhMmpLWHduYnc1R2M1eWVsZDVGemh3bkFQaExqNFBxNTNhdEZ5N1JGd1AxY09VMVhrb0tPTVhUSE5ONjItc2ZIazh6YlFDU3ZOa3N3VUFTdjUyaWxPVXVISEFIM1h1VU9rb2ZNVlVPRDN3?oc=5) · The Business Journals
- 2024-04-22 [United Community bank officially opens $65M downtown Greenville headquarters - SCBiz](https://news.google.com/rss/articles/CBMimgFBVV95cUxQSEVPaGFjMkV3OHZBMmRVempiN0haWjBGS0o2THItbU91ckdyd08zbEh3X3ZnTTNsZy1mUURaR3AxN21qSVFSWFA3MHQ1aHdOWFlDTHVSX01QYk4xd1J2bEFyU0ItN0VyNjNJTGVjSkhrQ2RlQ08zRWhJZ3V3M2pxejJOQ0lfX0pMbnV3M0NzRldXM280ZnVVVkhB?oc=5) · SCBiz
- 2023-03-30 [Scott Preston named United Community Bank's division chief executive officer as David Johnson prepares to retire; others also changing banks - The Rome News-Tribune](https://news.google.com/rss/articles/CBMivAJBVV95cUxOM0NWUjNSMU9ldG1JVWxma3gwTHFLcWdVdmtCOU1jMmFDd3poV1dnUnJCcXFlZWRveVFuam5IdldtNTFZU1RSTGdsNk5DMGZXV1ZwNWJRd1ZXQWFCVnA2NU1hZHJHSHBOVXp5dV9CdjlFZnZ2VFlMQUZvNTE2ZnNuMVotRXl5cExCaWxXakdCODVYVDZub0ZOcEZGb3EteUdUYUpleVJpSUVYVlNScW5mV24td0c4WTNjTHVNTU9LMVlUeFFtREItRTZSWUFXY19mYWs4UlAtMVlsd3NrVFNpeGxZaEprMGJTMVdTUVBENGo2WkRaSXdRMXZVbWlGZnhPa3hQQkdUU0pJWS13bEx6eGg0TnZyeENJOXVJczQ4N0VlVGRrQllxek9XelExUUpSeFpVOHRFejZLbVdk?oc=5) · The Rome News-Tribune
- 2025-05-21 [Perry Coleman to retire from United Community Bank in Dent after 44-year career - Perham Focus](https://news.google.com/rss/articles/CBMiugFBVV95cUxPZ2lydENnWGlTaC13Q1pqSFBZcFpwWDNNa29wY0VtWkZtZzAyTllOSWE2Snl6dmRySnhOU1BPWDdMMGR0Z3E3RXJhenpkZFA4UktOOXY5ZVBPS1VEUWR6dUYxRVMwanBaa0ZCRHYxOGpJRkk0eU5iRzVoa1FsSnlEZGxRQURkdVJ6YXRDeFR4NkJfQ3FxemE2ZjJBRkFHU3JOS2pHSWFxR08tREJQQW9JTWhCeTNscGEzbGc?oc=5) · Perham Focus
- 2026-08-05 [First Citizens Bank Appoints Barton and Thompson to Lead Growth Across Central U.S. - ABF Journal](https://news.google.com/rss/articles/CBMirwFBVV95cUxQRGZhbWVwTVNzVTROVUZCWGtuSG9DU2Rfbjl1d05zNHc3YnRYUkNFanFweXBxOThLbk5MdnVTSXdybmFTNVdkaUlWR3hzUWV1eFFhMkhVMktTNmZ3SnV4blJ4am1abFJMaS1oQlVybzk4dGJqNkNlRWFQTWNka01yTl96M0E0UnkzaE1qN2twWnZQNlJzQjJPTVVJdTBrTTVMcVN1ZHlVRUc2bTIzR3hF?oc=5) · ABF Journal
- 2018-06-12 [United Community Bank Sued over Debit Card Overdraft Fees - Top Class Actions](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPaWVqMEh3YzlYTkQ5M1ZvXzBocFV0Z0hwMTVYazlJc3ZHOFlUQ1Bwa2Rkemd1VWxtWHdoTEJ3WGRnVGhybjVaQndwLVJxLUpGYVd2dWdUMTdXNVBJMlRRMTZITWRNWm1fTVIyMUFZZ0VxMnpUU08xeFlkeExvY0pQOWk5a0dHdTdSVzVkMkNQalBXYTAzSkFLaTVuYVJ2OFdJNV9INzlOLUU3MVJmcnhuNUg5WlFxazdCdWFz?oc=5) · Top Class Actions
- 2023-05-02 [Kelley Kee named Tennessee state president at United Community Bank - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQYmxOcWJhZnM0MndtZHR4OWJOajBDYlBlX3BSMmR0dVZqclp3QllDQ1pNZUlqQTRac1FJSy1vdmFRejQ2NEJZMDd2MjVNY2hWT1NJenBZcUk0R0g5Tm9vaXlfMFRlbjRxVW4wdGtWYUlhY190MS1IWkNfVXJhZGFHbElOcmsxaXl0Njc0M1NGM25IdHg1Q1hoLTRteVJ4MnNvMnh2OGJERkpzbVI1a0E?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8544 (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/32.json (key "8544", 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