# UNION BANK
BEULAH, ND · FDIC certificate 9420 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $312.2M | |
| Deposits | $266.2M | |
| Loans and leases | $195.1M | |
| Total equity | $30.2M | |
| Loans / deposits | 72.51% (p30 of band) | 82.04% |
| Liquid assets / assets | 32.71% (p71 of band) | |
| Uninsured deposits / deposits | 21.32% (p34 of band) | 25.97% |
| Brokered deposits | 0.16% | |
| Wholesale funding | 4.65% (p56 of band) | |
| FHLB advances / assets | 4.48% | |
| Tier 1 leverage | 10.12% (p38 of band) | 10.81% |
| Unrealized securities loss / equity | -15.98% (p29 of band) | -8.10% |
| AOCI / equity | -3.67% (p2 of band) | |
| ROA (annualized) | 1.41% (p58 of band) | 1.28% |
| Net interest margin | 4.35% (p75 of band) | 3.91% |
| Efficiency ratio | 66.18% (p65 of band) | |
| Noncurrent loans | 1.38% (p81 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 79.36% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 5.59% (p10 of band) | |
| Auto loans | $4.1M (2.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.0% | |
| Employees | 53 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

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

- 2026-06-16 [University renews partnership with Union Bank and Trust - Nebraska Today](https://news.google.com/rss/articles/CBMijAFBVV95cUxOUFh1UmRtaVlfS3psYWpMNkxPendCSjc2WE5kZkJOUC1IZ3dUZGIxbEI0cVJOQlhPZjU3aHpqeUloamFkai1EX3cyazN2VS15NFFxSzYwX0FPVW1MVjR2NGRpY0N2eGtaRnlJbWY0dkVRc1dDTzZ3STZrUnNWd2VPRFgzUEJJaFROZzljLQ?oc=5) · Nebraska Today
- 2026-08-13 [Atlantic Union Bank opens new Baltimore location - Maryland Daily Record](https://news.google.com/rss/articles/CBMikAFBVV95cUxOd1lrQi0zNTFJY3Y2OEtQREhRd19UVlZxd0FoOFAxN0xLdl9lUE9udndvNExXOURpTFZUbnB3NDZtT0RPUGNrTlI1NkwwejVRTXNIUWNYQVVITV9WcDVRRW1Pc0tmUk9Mcm92MVRJaGYwelN3c0gzREkxUkJXYmVDbnZhZVBRVU5RTDRTd3hlelQ?oc=5) · Maryland Daily Record
- 2026-08-27 [Raleigh Convention Center now officially Atlantic Union Bank Convention Center - WRAL](https://news.google.com/rss/articles/CBMinwFBVV95cUxPMEpLWXdVUW90QlVYZjZVSGdqcHhRbVlqMEpfTHI1eGp0UzBMQnUxMEE5UTlldjk5MTZPRm9waVpuLV9pblh0aGNnaXRESmxoUUp5Wk9oWmFVdWc1TnltaEZNMEo2ZzM1VlFDZ2o0X085clVlaFJmRHdjYmJVNlpoYjNPY0lCTzBRR2w0V3dQbFBWcjBRT09MMnBQYVNLMk0?oc=5) · WRAL
- 2026-08-21 [$38B Virginia bank doubles down on Triangle with branch expansion - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOSFNZZ3o4T2gyMGtPS3ZXWnNMUGxMZWNtMTRKeXEtTlMtTTJickNqOURhWEM0Y1VadVZSS0hfUWV4M3plQ0Y5ZVBvd21CaEFHbXRLT1lTSjBQdzJJTmdfN19QYXRON0ZYWTVfZy1mODF1cTJVU1YyWmwySHZNRmRlSjRnQkRSQ1NzXzZ0S3BBMDlSc21HNVA3Mzh0MUhWd1dndlNHMVA2dm8?oc=5) · The Business Journals
- 2026-03-11 [Wisconsin credit union to buy local bank - Banking Dive](https://news.google.com/rss/articles/CBMiiAFBVV95cUxObUVvQkthNDB3NFV3RmdOUFh6RTd5OExRTGhMWk5CdXhzdFVuc19jRDBISHgzRjM0dkNBVzB3YTR0Z1VuSUVNMi1iR1E5cG5KZF9OaWtJNXhJajBybEpDSmRlYi1mQWpjeVZOMFlEMU5ybG5PM3h0TDJ0MzBmNFlETlp5ZDB5RXBJ?oc=5) · Banking Dive
- 2026-07-18 [Union Bank, Anderson Ford win second round games in A5 Legion Tournament - 1011now.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNMmVmRjdFYkl2SEE2eXdkdGdIMGVBbEt6bXdfeFV5VGg0ckNZWDZidHdNMFA1T0pWMG9NRjN0Ri1GcDZXZGxCOHRGTDBYSkprWnM1OS1SMHc4REMyUnVfcGlrd0Y1dDY4akpyYXV0Y3pwWVpxTVdvSDNQWUM1cGF3a0JHU21KbHBRWkZEa2M5R1p3MDE5SkpGOENrSmJUVl92UGMwY0ZmdW1NWk5rcUJR?oc=5) · 1011now.com
- 2026-09-10 [Bank strike alert: What SBI, BoB, Union Bank, and other banks customers should do before September 11 - Upstox](https://news.google.com/rss/articles/CBMiswJBVV95cUxOWF9QSWlwcGJyV2V4bUhSNTlzNXZ3R2RwMElrbnpWOGpWWG5qY1dfbEtPNXRoX2dJOXJtRXBnbkJWa0oxaG9tb0ZlUjRIRGRIdGZyemp0ZDNReE9GajRCcmI2QVJfYUVUN3dBWUZjLUozSnB2YVBUSzZHX2UyMVlmQXJkakdZRnU2OWhGeWFGQ1doRVI5V21WR1kzODJMTnJZVG9LbUdWUkVkVDVuU2FGeUozSWYxUzZ3RGdpaXg5VTI2anBNMzUxY2J6VDg3emQ3bC1ZUGtMQVZoZVZpS0ZVZXZhSXg2T0dDWnkwMGRQUDZ3UHdvVC1VNlpWc09fNm4wQTlxTGMzZkg3Q3VkOG4wT1pQdGFJWWRsVWFPMk02X29EVGNVV1k5Zy16Y05nM1RZaWtV?oc=5) · Upstox
- 2026-09-08 [Union Bank and Brand Chief receive accolades at WIMCA 2026 - Realnews Magazine](https://news.google.com/rss/articles/CBMikgFBVV95cUxNRGVkbjQ3TDFPUXk1alk4eVJpSHB0SVdvWHRxeHFYT0xFNlVLeXltQUtQV3h3a3BHcFM3WV9uby1SMkI0YlhWSUZ1SnZCN3A2T2s0clBwTzhqd3JoRXE0SGJvYnVDeHBNR1NjMnNpYmxjOW5ZRzVud25ZU3RBdjg0MkFDSTM0dE1tZWRZUlI1b3VwUQ?oc=5) · Realnews Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9420 (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/12.json (key "9420", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide