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First United Bank and Trust Company

$10B-$250B Specialty: Commercial OK FDIC cert 4239

Durant, OK

84 branches across TX · OK

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 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in OK.
  • Deposits +5.6% year over year ($13.3B on the books).
  • Delinquency rate 1.70%.
  • Return on assets 0.92%.
  • Efficiency ratio 70.06% vs a 53.67% peer average.
  • Loan-to-deposit ratio 95.04% vs a 82.61% peer average.

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

139 banks in the $10B-$250B peer group nationally 4 in OK
View $10B-$250B leaderboard (OK) →

First United Bank and Trust Company faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 12.5% in tier
  • - Flatlined Growth: Bottom 23.1% in tier
  • - Nonperforming Asset Ratio 0.83% above tier average
  • - ROA 0.47% below tier average
  • - Net Interest Margin 0.30% below tier average
  • - Efficiency Ratio 16.39% above tier average
  • - Delinquency Rate 0.69% 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 (OK) National Avg Tier Percentile
Total Assets ? $16.6B
+1.0% YoY +1.2% QoQ
-$27.0B $43.6B
-13.8% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
29%
Total Loans ? $12.7B
+0.2% YoY +1.0% QoQ
-$15.3B $28.0B
-8.6% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $13.3B
+5.6% YoY +0.4% QoQ
-$22.1B $35.4B
-14.0% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
25%
Return on Assets ? 0.92%
+7.5% YoY +4.1% QoQ
-0.47% 1.39%
+25.9% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
17%
Net Interest Margin ? 3.62%
+4.3% YoY +1.1% QoQ
-0.30% 3.92%
+8.9% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
50%
Efficiency Ratio ? 70.06%
+0.2% YoY -0.3% QoQ
+16.39% 53.67%
-1.9% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
Bottom 10.8% in tier
Delinquency Rate ? 1.70%
-12.8% YoY -12.1% QoQ
+0.69% 1.01%
-2.8% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Bottom 10.1% in tier
Loan-to-Deposit Ratio ? 95.04%
-5.1% YoY +0.7% QoQ
+12.43% 82.61%
+3.1% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
17%
Non-Interest-Bearing Deposit Share ? 22.88%
-0.8% YoY +0.2% QoQ
+2.30% 20.58%
+4.9% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
51%
Nonperforming Asset Ratio ? 1.56%
-2.4% YoY -3.3% QoQ
+0.83% 0.73%
+5.8% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Bottom 7.2% in tier
Tier 1 Capital Ratio ? 12.31%
+10.1% YoY -0.8% QoQ
-3.04% 15.35%
-0.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
36%
Non-Interest Income / Assets ? 0.43%
+8.5% YoY +91.3% QoQ
-0.06% 0.50%
+10.5% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
65%

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 (OK) National Avg Tier Percentile
Noninterest-Bearing 22.9%
-0.2pp YoY
0.0pp QoQ
 +1.8pp 21.0% 23.9% 22.2% 49%
Brokered Deposits 12.3%
-1.7pp YoY
0.0pp QoQ
 +3.1pp 9.2% 9.7% 8.5% 79%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 9.1%
+1.2pp YoY
+0.3pp QoQ
 -8.0pp 17.2% 15.7% 12.5% 18%
CRE 47.6%
+2.2pp YoY
+1.3pp QoQ
 +5.6pp 42.0% 42.0% 41.4% 58%
1-4 Family 39.6%
-3.5pp YoY
-1.5pp QoQ
 +16.5pp 23.1% 24.0% 31.3% 92%
Consumer 1.4%
0.0pp YoY
0.0pp QoQ
 -11.5pp 12.9% 5.6% 5.0% 47%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 12.3%
+1.1pp YoY
-0.1pp QoQ
 -3.0pp 15.3% 17.0% 19.7% 33%
Leverage Ratio 9.8%
+1.0pp YoY
-0.1pp QoQ
 -0.6pp 10.4% 11.7% 12.6% 40%
Total Capital Ratio 13.4%
+1.1pp YoY
-0.1pp QoQ
 -3.2pp 16.5% 18.2% 20.8% 26%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 1,886
+11 (+0.6%) YoY
+17 (+0.9%) QoQ
 -1,372 3,258 150 482 45%
Assets per Employee ($) $8.8M
+0.4% YoY
+0.2% QoQ
 -$18.2M $27.0M $6.5M $8.8M 20%
Branch Count 85
+1 (+1.2%) YoY
0 QoQ
 -53 137 8 18 50%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.5%
+0.1pp YoY
-0.1pp QoQ
 +0.1pp 0.4% 0.9% 0.4% 87%
Nonaccrual 1.2%
-0.4pp YoY
-0.1pp QoQ
 +0.5pp 0.7% 1.5% 1.0% 90%
Allowance Coverage 0.59x
+9.5% YoY
+11.9% QoQ
 -2.22x 2.81x 61.99x 20.23x 10%
Net Charge-off Rate (YTD) 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.2% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 9.5%
-0.2pp YoY
+0.3pp QoQ
 -3.2pp 12.6% 11.9% 11.6% 34%
Cost of Funds (YTD) 2.3%
-0.4pp YoY
0.0pp QoQ
 +0.3pp 2.0% 1.8% 1.7% 70%
Net Income ($, YTD) $75.2M
+8.2% YoY
— QoQ
 -$221.6M $296.8M $8.7M $40.4M 19%

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 (2)

Liquidity Strain

risk
#6 of 40 • Bottom 12.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 95.04%
(Tier: 82.61%, National: 79.03%)
worse than tier avg
40 of 40 Large banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Flatlined Growth

risk
#7 of 26 • Bottom 23.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.92%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
26 of 26 Large banks match · 719 nationally
→ Stable +34 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).
Comparing against 139 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

130
Nonperforming Asset Ratio
credit_quality
Value: 1.56%
Peer Median: 0.73%
#130 of 139 Bottom 7.2% in $10B-$250B
125
Delinquency Rate
credit_quality
Value: 1.70%
Peer Median: 1.01%
#125 of 138 Bottom 10.1% in $10B-$250B
125
Efficiency Ratio
profitability
Value: 70.06%
Peer Median: 53.67%
#125 of 139 Bottom 10.8% in $10B-$250B
117
Loan-to-Deposit Ratio
liquidity
Value: 95.04%
Peer Median: 82.61%
#117 of 139 Bottom 16.5% in $10B-$250B
117
Return on Assets
profitability
Value: 0.92%
Peer Median: 1.39%
#117 of 139 Bottom 16.5% in $10B-$250B
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