First United Bank and Trust Company
First United Bank and Trust Company reported total assets of $16.6 bn at Q2 2026, up 1.0% on a year earlier, the 118th largest of 497 banks in our US coverage. The CET1 capital ratio at First United Bank and Trust Company was 12.28%. First United Bank and Trust Company held deposits of $13.3 bn. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, First United Bank and Trust Company climbed from 423rd to 306th among 448 US banks between and (1 = highest; FDIC Call Reports).
- First United Bank and Trust Company has one of the highest noncurrent loans to total loans readings among banks of $10 bn to $100 bn: 1.69% at , against a median of 0.66% across 126 banks (FDIC Call Reports).
- Since , First United Bank and Trust Company has taken over one institution; the latest was American Bank of Texas on (FDIC Call Reports).
What sets First United Bank and Trust Company apart
How large is First United Bank and Trust Company?
The balance sheet of First United Bank and Trust Company at : assets $16.6 bn, deposits $13.3 bn, net loans $12.7 bn (loans equal to 95.04% of deposits). Securities make up 13.6% of total assets at First United Bank and Trust Company. Since , when First United Bank and Trust Company held $3.2 bn, its assets grew 414.5%. In the year to , deposits at First United Bank and Trust Company rose 5.6% while its total assets rose 1.0%. At , First United Bank and Trust Company employed 1,886 full-time equivalent staff across 85 offices, about $8.8 mn of assets per employee and $156.8 mn of deposits per office.
How much funding at First United Bank and Trust Company is uninsured?
At First United Bank and Trust Company, uninsured deposits (above the FDIC limit) made up 36.50% of domestic deposits at (-1.84 pp on a year earlier); First United Bank and Trust Company ranks 235th of 500 on this measure. In dollars, First United Bank and Trust Company estimated $4.9 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $13.3 bn | +5.6% | 123rd of 499 |
| Net loans and leases | $12.7 bn | +0.2% | 111th of 500 |
| Loan-to-deposit ratio | 95.04% | -5.14 pp | 112th of 500 |
| Tier 1 leverage ratio | 9.80% | +1.00 pp | 329th of 500 |
| Total risk-based capital ratio | 13.36% | +1.06 pp | 317th of 448 |
| Net interest margin | 3.62% | +0.15 pp | 260th of 500 |
| Return on assets (ROA) | 0.92% | +0.06 pp | 412th of 500 |
| Efficiency ratio | 70.06% | +0.12 pp | 433rd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $71.5 mn | Narrowed by $27.4 mn | |
| Noncurrent loans to total loans | 1.69% | -0.25 pp | 442nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.06% | -0.13 pp | 209th of 500 (1 = lowest) |
US rank of First United Bank and Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
First United Bank and Trust Company: assets, deposits and loans
- Total assets $16.6bn
- Deposits $13.3bn
- Net loans $12.7bn
Capital and securities
The CET1 ratio of First United Bank and Trust Company stood at 12.28% in , +1.15 pp year on year. Low and high at First United Bank and Trust Company since : 9.97% () to 12.37% (). Equity capital of First United Bank and Trust Company at : $1.6 bn, or 9.7% of total assets. First United Bank and Trust Company also reported a total capital ratio of 13.36% for , and a tier 1 leverage ratio of 9.80%.
The available-for-sale portfolio of First United Bank and Trust Company showed an unrealized loss of $71.5 mn at ; the loss narrowed by $27.4 mn over the year.
First United Bank and Trust Company: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.8%
First United Bank and Trust Company: unrealized securities gains and losses
- Available for sale -$72mn
- Held to maturity $0
Profitability and loan quality
For the year to , First United Bank and Trust Company earned a return on equity of 9.48%; return on assets: 0.92%. Net interest margin at First United Bank and Trust Company: 3.62%, +0.15 pp in a year. First United Bank and Trust Company net income: $75.2 mn, up 8.2% year on year. The efficiency ratio of First United Bank and Trust Company was 70.06%: about 70 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 1.69% of total loans at First United Bank and Trust Company; net charge-offs: 0.06% of average loans. Gross loans and leases at First United Bank and Trust Company: $12.8 bn, up 0.1% in a year.
First United Bank and Trust Company: profitability
- Return on equity 9.5%
- Net interest margin 3.6%
- Return on assets 0.9%
Peer group of First United Bank and Trust Company
The peer group of First United Bank and Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of First United Bank and Trust Company (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Oklahoma. Against them, First United Bank and Trust Company shows CET1 ratio 12.28% against a peer median of 12.26%, return on equity 9.48% against a peer median of 11.16% and uninsured deposit share 36.50% against a peer median of 29.96%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Northwest Bank | State-chartered stock savings bank | PA | $17.2 bn | 12.79% | 11.35% | 27.43% | |
| Toyota Financial Savings Bank | State nonmember bank | NV | $16.8 bn | 14.40% | 3.88% | 16.31% | |
| FirstBank | State member bank | TN | $16.8 bn | 11.29% | 12.13% | 42.74% | |
| First United Bank and Trust Company | State member bank | OK | $16.6 bn | 12.28% | 9.48% | 36.50% | |
| Banner Bank | State nonmember bank | WA | $16.6 bn | 12.71% | 10.97% | 32.49% | |
| NBT Bank | National bank | NY | $16.1 bn | 11.80% | 10.45% | 42.52% | |
| Live Oak Banking Company | State nonmember bank | NC | $16.0 bn | 10.46% | 12.59% | 16.60% | |
. FDIC Call Reports.
Last eight quarters
Two years at First United Bank and Trust Company, to : assets +0.9%, deposits +7.6%, equity +16.0%. Staff 1,881 to 1,886; offices 83 to 85.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $16.4 bn | $16.3 bn | $16.3 bn | $16.4 bn | $16.5 bn | $16.3 bn | $16.4 bn | $16.6 bn |
| Total deposits | $12.4 bn | $12.5 bn | $12.6 bn | $12.6 bn | $12.8 bn | $13.1 bn | $13.3 bn | $13.3 bn |
| Bank equity capital | $1.4 bn | $1.4 bn | $1.4 bn | $1.4 bn | $1.5 bn | $1.6 bn | $1.6 bn | $1.6 bn |
| CET1 ratio | 10.98% | 11.39% | 11.46% | 11.13% | 11.41% | 12.24% | 12.37% | 12.28% |
| Return on equity (ROE) | 8.07% | 9.29% | 9.39% | 9.73% | 10.30% | 10.87% | 9.13% | 9.48% |
| Uninsured share of domestic deposits | 32.45% | 32.82% | 32.62% | 38.34% | 32.75% | 35.58% | 36.41% | 36.50% |
| Full-time equivalent employees | 1,881 | 1,872 | 1,863 | 1,875 | 1,898 | 1,889 | 1,869 | 1,886 |
| Number of offices | 83 | 83 | 83 | 84 | 84 | 84 | 85 | 85 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of First United Bank and Trust Company, oldest first; figures before and after each event are not like for like.
- . Absorbed American Bank of Texas (FDIC certificate 20473).
Large one-quarter moves at First United Bank and Trust Company
- Total assets at First United Bank and Trust Company changed by +72.0% in the quarter to 2016-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from American Bank of Texas.
Questions and identifiers
What were the total assets of First United Bank and Trust Company?
First United Bank and Trust Company reported $16.6 bn at in its Call Report. That makes First United Bank and Trust Company the 118th largest of 497 banks in our US coverage.
Is First United Bank and Trust Company the same as its holding company?
No. This page covers First United Bank and Trust Company, FDIC certificate 4239; SPEND LIFE WISELY CO INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First United Bank and Trust Company profitable?
First United Bank and Trust Company reported net income of $75.2 mn for the year to ; annualized return on equity: 9.48%. So yes: First United Bank and Trust Company made a profit over these months.
When is data for First United Bank and Trust Company next updated?
Figures from First United Bank and Trust Company for are due after .
Where can I check the figures for First United Bank and Trust Company?
In the FDIC BankFind Suite record for certificate 4239, and in the Call Reports of First United Bank and Trust Company (RSSD ID 509950) at the FFIEC Central Data Repository.