BlastPoint's Banking Scorecard

First United Bank

$100M-$1B Specialty: Agricultural ND FDIC cert 15472

Park River, ND

19 branches across ND

2664 banks in the $100M-$1B peer group nationally 35 in ND

First United Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.08% above tier average
+ Efficiency Ratio 4.66% below tier average
+ Delinquency Rate 0.86% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 16.7% in tier
- Net Interest Margin 0.19% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$739.6M +0.7% YoY +2.2% QoQ	+$353.5M	$386.1M +0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	Top 10.7% in tier
Total Loans ?	$515.1M +2.9% YoY -1.9% QoQ	+$259.4M	$255.7M +1.1% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	Top 9.7% in tier
Total Deposits ?	$639.8M -0.5% YoY +3.1% QoQ	+$311.9M	$328.0M +0.1% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	Top 10.2% in tier
Return on Assets ?	1.35% +17.5% YoY +1.2% QoQ	+0.08%	1.27% +12.9% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	59%
Net Interest Margin ?	3.74% +13.7% YoY +5.3% QoQ	-0.19%	3.93% +6.0% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	44%
Efficiency Ratio ?	60.63% +0.5% YoY +2.6% QoQ	-4.66%	65.29% -4.5% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	58%
Delinquency Rate ?	0.03% -64.7% YoY -13.7% QoQ	-0.86%	0.89% +18.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	83%
Loan-to-Deposit Ratio ?	80.50% +3.4% YoY -4.8% QoQ	+3.87%	76.64% +0.8% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	45%
Non-Interest-Bearing Deposit Share ?	22.06% +9.1% YoY +4.3% QoQ	+0.04%	22.02% -1.0% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	54%
Nonperforming Asset Ratio ?	0.11% +83.1% YoY -5.4% QoQ	-0.53%	0.64% +19.7% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	10.34% +5.2% YoY +1.3% QoQ	-5.50%	15.83% +1.5% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	Bottom 14.2% in tier
Non-Interest Income / Assets ?	0.08% +1.1% YoY -75.2% QoQ	-0.20%	0.28% +9.3% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	41%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#112 of 666 • Bottom 16.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.34%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

259

Total Loans

size

Value: $515.10M

Peer Median: $255.72M

#259 of 2664 Top 9.7% in $100M-$1B

273

Total Deposits

size

Value: $639.84M

Peer Median: $327.97M

#273 of 2664 Top 10.2% in $100M-$1B

286

Total Assets

size

Value: $739.61M

Peer Median: $386.08M

#286 of 2664 Top 10.7% in $100M-$1B

450

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.89%

#450 of 2654 Top 16.9% in $100M-$1B

Top Weaknesses (1 metrics)

2286

Tier 1 Capital Ratio

capital

Value: 10.34%

Peer Median: 15.83%

#2286 of 2664 Bottom 14.2% in $100M-$1B