# UNITED BANK OF IOWA
IDA GROVE, IA · FDIC certificate 958 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $2.50B | |
| Deposits | $1.96B | |
| Loans and leases | $1.68B | |
| Total equity | $229.0M | |
| Loans / deposits | 84.43% (p43 of band) | 87.10% |
| Liquid assets / assets | 28.02% (p73 of band) | |
| Uninsured deposits / deposits | 18.23% (p14 of band) | 30.76% |
| Brokered deposits | 3.31% | |
| Wholesale funding | 14.95% (p79 of band) | |
| FHLB advances / assets | 10.34% | |
| Tier 1 leverage | 10.34% (p46 of band) | 10.50% |
| Unrealized securities loss / equity | -24.30% (p14 of band) | -7.75% |
| AOCI / equity | -0.82% (p23 of band) | |
| ROA (annualized) | 1.29% (p53 of band) | 1.26% |
| Net interest margin | 2.95% (p14 of band) | 3.70% |
| Efficiency ratio | 56.90% (p43 of band) | |
| Noncurrent loans | 0.26% (p28 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 525.67% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 7.57% (p9 of band) | |
| Auto loans | $26.8M (1.60% of loans; DQ 0.78%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 300 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | loans exceed deposits |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | loans exceed deposits |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | loans exceed deposits |  |
| 2013-03 | 0 |  | loans exceed deposits |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | loans exceed deposits |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | loans exceed deposits |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | loans exceed deposits |  |
| 2014-12 | 0 |  | loans exceed deposits |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | wholesale funding >15% |  |
| 2023-03 | 2 | NIM <2.5% | capital falling, AOCI drag >20% of equity, wholesale funding >15% |
| 2023-06 | 3 | wholesale funding >15% |  |
| 2023-09 | 4 | capital falling |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | capital falling |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-12 | 4 | securities losses >30% of equity |  |
| 2025-03 | 3 |  | uninsured deposits leaving |
| 2025-06 | 2 |  | NIM <2.5% |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | wholesale funding >15% |

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

- 2018-12-20 [Suspect pleads guilty to northwest Iowa bank robbery - kcrg.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQcE1SYjlVMzZFYnhZS3VoMEZxc1hIZmxQMDlUTTJnb0hrZWswcGtLbTdWbGdQdXB4NFZtZWlIbm42RjB6ZF8xUm5iTktfNlFuNnplVk9DUXZHdmxkV2VHREh6aTRXZW9VV2VUbEFKM25YWGE1TUxmTzJVMUpJUVppVklnV1hYZTlvTWItTVRSdl95MTR0M0F2VjhtMGVaSmlfVXk00gG3AUFVX3lxTE1Yb2ZrOXlwTDMxd2RrVUdGNjM4c0FyREI2U2syMVk2SGtGUzN5VXBVVlZ2MnRLNzY1TndOV1VrYmZYbVNOMTNzcTRITUp5eHA4NVJ0ZUc3VUp3TWJSeGNYV1J5c0xySGRUaDV5Y0FfZFZnNEJHRU1CRm9GQ2IzTEo5Y0ZidDM5YVg5WUhxVWh3MVFMZ3d2UEt4eHhvNmtENVhpVWx5Ykxpd3AtMDkxNFBDdW9lQVl0Yw?oc=5) · kcrg.com
- 2024-09-17 [Devin D. Landgraf Obituary Nov 15, 2023 - Laufersweiler Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMid0FVX3lxTE5yNU9mUnhCQjk1bWxjWUlLcDUtUWVZLTdsVGFhYTZoS2w0dEx6T2NNN1d2V2xjMXhUMExkMjFRZ3BYcWhKYXVhVVdJOTFJblNUbUlTZmZjQjdrUWpxQkpfVGFuRE5BRDNac0ZUZWV0Nl9FM2MxckJr?oc=5) · Laufersweiler Funeral Home &amp; Cremation Services
- 2024-09-11 [Obituary information for Arnold Clausen - Gunderson Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiggFBVV95cUxNOHFkejNDWFpsN1JBNDhLNURYZU4tVldzRDNTUThydG96YlVwM2JVYzVqeHBvYk9HUEdWQmpkYlUxSjFGMU12d3F5bVp3THpEVmhXMUtQWU4xb1pKNDlKd3ZQcW5meHFGQWdUNkROem5uN3RobkROUUtCZ1Q4bEJQTmpR?oc=5) · Gunderson Funeral Home &amp; Cremation Services
- 2022-10-31 [Mary Jo Toms Obituary Oct 31, 2022 - Dahn & Woodhouse Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBfVG4zcjBaUDk2bzZHZklYQzBjdXJPV3JuSGpSakNWUzd6NlRGeXhhcnphdXRKLW4wN3JId0hHTlpEQmp2emJDcFNadzltTkdwY0pjbVZyZFliLTdOMlVYaTJmSDJ6RVk?oc=5) · Dahn &amp; Woodhouse Funeral Home
- 2014-07-25 [Holstein Bank Robber Caught - KPTH](https://news.google.com/rss/articles/CBMiZEFVX3lxTE81UWtwUzFkajBTOXgwTG1VY3hFOHJBZmpON1J6V0F3T2hGRGtiV2tHb28tSG95N1JzZ3NCUDc0VFhSZUd5Z2V0RkhkUXg1TGcySjctWnhGS1ZFTXZUZVpFVkF5UXA?oc=5) · KPTH
- 2024-07-23 [Judy Means Obituary Jul 23, 2024 - Fisch Funeral Home](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1INEZsOTBWWTNzSS1DaDR3WEZBbEE3YzFLLUlWeTVGNlJ5bXVxekNhY1VQRG1WeWVOaEszZVNFYW1MRjdLUzhtRENWM2JzbVZUbDlNSXdpakU?oc=5) · Fisch Funeral Home
- 2014-07-26 [Update: Sioux City man arrested in Holstein, Iowa, bank robbery - Sioux City Journal](https://news.google.com/rss/articles/CBMi-wFBVV95cUxOcjYxTVlUQW5hN2REMFl4T3dlbk1fS2x2cC1OVEwyNnVVTlk0RHJrbU56Tmc4NVpDcVZKbEJ5cVN1WjRzQjByQXlhYjJ3QXlIME1fSDI0WDNxbG0tckVZTl9DUUZXOXFrekc2QmNaWV92WHhPN2JEcEIzWGQ0TEFnZnZBRnJHaXVFNm9ma0dSZk1SX2xtY3hQWkdKYUEyMDNPWG1IQUFaUFpOZURaZU1uSmdFZjFNRDdCZFg3SkwyeDJGV0h5WWU5MV9iWDRsVWdjVUdyZGYwRUVfTFh2X3pEQms1N2g2blNsT1l2aDIxSWxjUXRGeEdBeTA2Zw?oc=5) · Sioux City Journal
- 2017-08-15 [James L. Miller Obituary Aug 15, 2017 - Laufersweiler Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMidEFVX3lxTE9uUUo5X1duaWNYM1VCejhJcUVHREFlcFV3ME5meWlxbWxZSC1PZkZQVXJSVnFQdkFuaWVwekxmOUZSZXdUN1NXeUpXSGRiMzZhbk9OZllza0RCWUlYYi1Od2hmOXhJQWR0MFNhTDkyaEtvMndv?oc=5) · Laufersweiler Funeral Home &amp; Cremation Services

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=958 (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/62.json (key "958", 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