# UNION BANK
MARKSVILLE, LA · FDIC certificate 8800 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $256.9M | |
| Deposits | $203.4M | |
| Loans and leases | $185.8M | |
| Total equity | $28.8M | |
| Loans / deposits | 90.69% (p77 of band) | 77.79% |
| Liquid assets / assets | 21.51% (p29 of band) | |
| Uninsured deposits / deposits | 17.59% (p57 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.87% (p81 of band) | |
| FHLB advances / assets | 6.20% | |
| Tier 1 leverage | 10.95% (p41 of band) | 11.56% |
| Unrealized securities loss / equity | 1.58% (p66 of band) | 0.80% |
| AOCI / equity | 1.51% (p40 of band) | |
| ROA (annualized) | 1.10% (p54 of band) | 1.05% |
| Net interest margin | 4.42% (p81 of band) | 3.84% |
| Efficiency ratio | 63.89% (p36 of band) | |
| Noncurrent loans | 2.63% (p90 of band) | 0.56% |
| Net charge-offs (annualized) | 0.22% (p91 of band) | |
| Reserve coverage of noncurrent | 26.65% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 45.92% (p78 of band) | |
| Auto loans | $2.0M (1.09% of loans; DQ 12.85%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.5% | |
| Employees | 83 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | noncurrent p90 |
| 2011-12 | 2 | noncurrent p90 | construction >100% equity |
| 2012-03 | 4 | losing money, charge-offs p90, uninsured deposits leaving | noncurrent p90 |
| 2012-06 | 6 | capital falling, expense ratio p90, noncurrent p90 | uninsured deposits leaving |
| 2012-09 | 7 | uninsured deposits leaving |  |
| 2012-12 | 4 |  | capital falling, expense ratio p90, uninsured deposits leaving |
| 2013-03 | 2 |  | losing money, charge-offs p90 |
| 2013-06 | 4 | losing money, charge-offs p90, deposits shrinking | noncurrent p90 |
| 2013-09 | 1 |  | losing money, charge-offs p90, deposits shrinking |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2014-06 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2014-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | wholesale funding >15%, capital falling |  |
| 2017-03 | 2 |  | charge-offs p90, capital falling |
| 2017-06 | 1 |  | wholesale funding >15% |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | deposits shrinking |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 4 | charge-offs p90, uninsured deposits leaving |  |

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

- 2026-03-27 [Hathaway Dinwiddie Leases Full Floor In Union Bank Plaza: The Los Angeles Deal Sheet - bisnow.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxQZEVuQjUyVnJFYU8taUlnQ0lTbTl2ZVFlLURrZGQ5bk1oQ2hnZFB4eXBZMndaRWNvZXBycHJVamV5LU4zV2g0bDgzRkpFek5Tb3ZhaGdKRWVaRkZjeGstMkRJTzQwTEpvV0h4MGk0LTNTZWhpRzZGRmhhMng1N29ITUhxa0dVTDh2MjRtdEp5VlZvVFhRRU5UTkkzNE1sbE9xbGZrU09SV3FILURPRTdadVBDNUFocnU2bkRMY0FPYlBpRWFCck5pN3Z5eFk1cm8?oc=5) · bisnow.com
- 2026-03-27 [Hathaway Dinwiddie to move to downtown L.A.'s Union Bank Plaza - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxQU1RaYWdPQks4RkxHYmxIQWtOdW94WHV6cGpxeWtaYV95R3JqNWZ0aWt1d1VpTzIta0thcktKaURraGJtcXQ1ZGh5OTZEd1A3YUhmbTZwemU1OFRIYmlMWGdsQmxtSFZ2N3lOUG1mc3lvX0gwcFQzcHNQbFBIWlpZazBNLVdwMGotNkRSbE1kY2JfTkxhdmJYVFZqLXBXWEVheDB4Qg?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-15 [On Location LA taps DTLA as regional HQ for Olympic Games - The Real Deal](https://news.google.com/rss/articles/CBMinAFBVV95cUxPX2pRQk16OWcyRDZScF9LRkhxeFRqMXJzSWJGRFNzZUZSbi1fWmlUdHk4NmpkUDlWRHF3d3NjWTVaRVpBR2FzM2g2eDM0OUxIOEJremFaUC1RdXFpTmgtYVpfMEdzcmpLcWh0bzNTNmprckdadzI1M194WjgzdzFFOGxTRDQ2aFdpWHBtUHF4TE5BUmROaXdnUENDTjQ?oc=5) · The Real Deal
- 2025-11-08 [French bakery steps from Redding Public Market has 'dreamy' opening. El Pollo Loco update - Record Searchlight](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOZWcwNDZ4amZpOWVsY19QLTNTWHctbldlYVZoM3BhN0Jkc3RCdmF1M1ZEb0VQVGR6Y2w0NElyM1otYXBuQ3Z6VHlCNEZsdzhnVUlnMWdfY3pUYW1oejJrdXA5U3hMU0VfTjh2VzV0NFlyQll6RVlLa0s4aVlob1RXUzB3RjJrOFh2TGsxdlJLNE1GbTBidWcwRlVSX0xLcXE0bjdCcl9pNVA1UURreFhjNDBCcDZ3U01sZzVnS1Z1Zm5SUjJzQkhLSFJ1a3JMUEQ4b3RkLQ?oc=5) · Record Searchlight
- 2023-02-13 [Farewell to Union Bank - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMib0FVX3lxTE9vRlNwVUNfMkh3d2pINUh0VWRneEpaR21RRFlGemNRd0RiSERNMU1IWHlWdjNURDVTX2NyRzVzWEFyVk1JQnZnOFhnVUYweWpCanhSeGJjcG5pc0F1Z20tNlBYOUx5TlRHbWZVNS15TQ?oc=5) · Los Angeles Business Journal
- 2022-12-09 [La Mesa Marks Reopening of Union Bank Branch Burned During 2020 Riot - Times of San Diego](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNeHN6SjVNa3Vickp6X2lrblFiRDRPSF9jVWwyV0MwLVlLZ0RLNGkybGhfbkxHRVFxeklCR2dWU0tYYVZYeDF5amFHOFhpVl9SOWl2akV1T0c1U0M0bU54bG9XXzZSTzhRdmU3anBNR0Z3Z0g1RDZRUnVTQmNyUHB1SzNOX1FnY3JJVlpvRmNmX1lUdzdRTFU4VTN5WGp2a29feWFubE5McXczVWQ4UWVNRzdrbi1hUkZw?oc=5) · Times of San Diego
- 2020-10-06 [Union Bank Plaza, a modernist Downtown L.A. landmark, undergoes $20 million renovation - The Architect’s Newspaper](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOTVRlTXlLYTJUcklpeHZVa0U4UEZhdnFtMXpKZWk2LVdMcW9RUDgxWm5sZmJLVEZtVDdKRjI5aFRkbmtycWxjQXpoXy0yUkhidzVCUVlRZy1PbWdfYkJDbGl5VllfcW1GZFdaMUlwX2ljVnFjb0VWR3EwWngwbXAyM3hFVGJYSzRGWUJF?oc=5) · The Architect’s Newspaper

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8800 (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 "8800", 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