BlastPoint's Banking Scorecard
First United Bank
Designations: ✓ Community bank
Dimmitt, TX
25 branches across TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits +0.9% year over year ($2.1B on the books).
- Delinquency rate 0.41%.
- Return on assets 2.03%.
- Efficiency ratio 50.50% vs a 59.73% peer average.
- Loan-to-deposit ratio 69.82% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First United Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 26.1% in tier
- + Net Interest Margin 0.15% above tier average
- + Efficiency Ratio 9.22% below tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+1.9% YoY
-1.6% QoQ
|
-$384.2M |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
60% |
| Total Loans ? |
$1.5B
+2.8% YoY
+1.5% QoQ
|
-$472.7M |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
53% |
| Total Deposits ? |
$2.1B
+0.9% YoY
-2.3% QoQ
|
-$184.2M |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
63% |
| Return on Assets ? |
2.03%
+26.5% YoY
+2.7% QoQ
|
+0.63% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Top 10.8% in tier |
| Net Interest Margin ? |
4.02%
+7.6% YoY
+2.3% QoQ
|
+0.15% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
69% |
| Efficiency Ratio ? |
50.50%
-9.9% YoY
-1.2% QoQ
|
-9.22% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
76% |
| Delinquency Rate ? |
0.41%
-55.6% YoY
-42.4% QoQ
|
-0.45% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
69.82%
+2.0% YoY
+3.9% QoQ
|
-15.21% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
30.29%
+6.5% YoY
+4.2% QoQ
|
+9.02% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 14.9% in tier |
| Nonperforming Asset Ratio ? |
0.32%
-77.9% YoY
-34.9% QoQ
|
-0.35% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
15.64%
+6.4% YoY
-1.6% QoQ
|
+0.79% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.35%
+30.6% YoY
+91.2% QoQ
|
-0.18% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
62% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.3%
+1.8pp YoY +1.2pp QoQ |
+8.9pp | 21.4% | 29.2% | 22.2% | 85% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.2%
-1.5pp YoY -1.3pp QoQ |
-0.8pp | 14.0% | 14.8% | 12.5% | 60% |
| CRE |
52.1%
+3.0pp YoY +1.2pp QoQ |
+2.1pp | 50.0% | 48.4% | 41.4% | 58% |
| 1-4 Family |
9.7%
0.0pp YoY +0.1pp QoQ |
-16.7pp | 26.4% | 25.8% | 31.3% | 16% |
| Consumer |
0.3%
-0.1pp YoY 0.0pp QoQ |
-4.4pp | 4.7% | 4.7% | 5.0% | 25% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.6%
+1.0pp YoY -0.2pp QoQ |
0.0pp | 15.6% | 22.7% | 19.7% | 76% |
| Leverage Ratio |
11.2%
+0.9pp YoY +0.1pp QoQ |
-0.1pp | 11.3% | 12.6% | 12.6% | 63% |
| Total Capital Ratio |
16.8%
+0.9pp YoY -0.3pp QoQ |
+0.1pp | 16.7% | 23.8% | 20.8% | 76% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
293
-10 (-3.3%) YoY -8 (-2.7%) QoQ |
-21 | 313 | 186 | 482 | 64% |
| Assets per Employee ($) |
$8.2M
+5.4% YoY +1.0% QoQ |
-$2.3M | $10.5M | $10.1M | $8.8M | 44% |
| Branch Count |
25
0 YoY 0 QoQ |
+5 | 20 | 12 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.5pp YoY -0.3pp QoQ |
-0.3pp | 0.8% | 1.0% | 1.0% | 50% |
| Allowance Coverage |
3.29x
+123.6% YoY +66.8% QoQ |
-15.42x | 18.71x | 18.82x | 20.23x | 67% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 67% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.9%
+2.2pp YoY +0.2pp QoQ |
+7.3pp | 12.6% | 13.2% | 11.6% | 90% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 1.6% | 1.7% | 46% |
| Net Income ($, YTD) |
$24.7M
+34.0% YoY — QoQ |
+$5.4M | $19.2M | $15.9M | $40.4M | 77% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.