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First United Bank and Trust Company

$100M-$1B Specialty: Commercial KY FDIC cert 34150

Madisonville, KY

7 branches across KY

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits -2.0% year over year ($525.0M on the books).
  • Delinquency rate 0.26%.
  • Return on assets 1.45%.
  • Efficiency ratio 65.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.52% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

First United Bank and Trust Company has 2 strengths but faces 3 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 0.13% above tier average
  • + Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 17.8% in tier
  • - Net Interest Margin 0.05% below tier average
  • - Efficiency Ratio 1.31% above tier average
Get updates when First United Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $591.4M
+0.4% YoY -2.4% QoQ
+$204.8M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
80%
Total Loans ? $396.5M
+0.2% YoY -1.0% QoQ
+$138.2M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
79%
Total Deposits ? $525.0M
-2.0% YoY -2.9% QoQ
+$198.3M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
82%
Return on Assets ? 1.45%
+36.6% YoY +4.5% QoQ
+0.13% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
63%
Net Interest Margin ? 3.94%
+12.1% YoY +3.2% QoQ
-0.05% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
50%
Efficiency Ratio ? 65.79%
-6.6% YoY -0.8% QoQ
+1.31% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
40%
Delinquency Rate ? 0.26%
+33.2% YoY -6.4% QoQ
-0.66% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 75.52%
+2.3% YoY +1.9% QoQ
-2.43% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
59%
Non-Interest-Bearing Deposit Share ? 21.31%
+2.8% YoY -0.3% QoQ
-0.72% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
51%
Nonperforming Asset Ratio ? 0.17%
+21.8% YoY -10.8% QoQ
-0.50% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
63%
Tier 1 Capital Ratio ? 14.22%
+10.8% YoY +4.4% QoQ
-1.69% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
59%
Non-Interest Income / Assets ? 0.35%
+25.5% YoY +88.5% QoQ
-0.21% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
80%

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 (KY) National Avg Tier Percentile
Noninterest-Bearing 21.3%
+0.6pp YoY
-0.1pp QoQ
 -0.8pp 22.1% 23.5% 22.2% 51%
Brokered Deposits 1.6%
0.0pp YoY
0.0pp QoQ
 -6.3pp 7.9% 5.4% 8.5% 25%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 16.4%
-1.3pp YoY
-0.4pp QoQ
 +4.8pp 11.6% 8.6% 12.5% 80%
CRE 36.0%
-0.2pp YoY
-0.9pp QoQ
 -3.6pp 39.5% 37.1% 41.4% 45%
1-4 Family 40.0%
+1.6pp YoY
+1.4pp QoQ
 +7.4pp 32.6% 41.6% 31.3% 70%
Consumer 1.3%
-0.2pp YoY
0.0pp QoQ
 -2.8pp 4.1% 4.8% 5.0% 36%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 14.2%
+1.4pp YoY
+0.6pp QoQ
 -4.6pp 18.8% 20.2% 19.7% 41%
Leverage Ratio 9.5%
+0.8pp YoY
+0.3pp QoQ
 -2.6pp 12.2% 14.0% 12.6% 22%
Total Capital Ratio 15.4%
+1.4pp YoY
+0.6pp QoQ
 -4.6pp 19.9% 21.3% 20.8% 41%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 108
+2 (+1.9%) YoY
0 QoQ
 +49 58 105 482 89%
Assets per Employee ($) $5.5M
-1.5% YoY
-2.4% QoQ
 -$2.0M $7.5M $6.3M $8.8M 22%
Branch Count 7
0 YoY
0 QoQ
 +2 4 8 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.3%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 34%
Allowance Coverage 4.59x
-21.3% YoY
+9.3% QoQ
 -19.56x 24.15x 7.45x 20.23x 68%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 33%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 24.6%
+2.0pp YoY
+0.6pp QoQ
 +12.4pp 12.2% 13.3% 11.6% 96%
Cost of Funds (YTD) 1.8%
-0.4pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 60%
Net Income ($, YTD) $4.3M
+40.1% YoY
— QoQ
 +$1.8M $2.6M $5.1M $40.4M 83%

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)

Credit Quality Pressure

risk
#225 of 1256 • Bottom 17.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.26%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

467
Total Deposits
size
Value: $525.05M
Peer Median: $326.73M
#467 of 2643 Top 17.6% in $100M-$1B
530
Non-Interest Income / Assets
revenue_mix
Value: 0.35%
Peer Median: 0.57%
#530 of 2643 Top 20.0% in $100M-$1B
536
Total Assets
size
Value: $591.36M
Peer Median: $386.57M
#536 of 2643 Top 20.2% in $100M-$1B
551
Total Loans
size
Value: $396.52M
Peer Median: $258.35M
#551 of 2643 Top 20.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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