BlastPoint's Banking Scorecard
First United Bank and Trust Company
Durant, OK
85 branches across TX · OK
First United Bank and Trust Company faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.6% in tier
- - Flatlined Growth: Bottom 16.7% in tier
- - Delinquency Rate 0.92% above tier average
- - Nonperforming Asset Ratio 0.89% above tier average
- - ROA 0.40% below tier average
- - Net Interest Margin 0.19% below tier average
- - Efficiency Ratio 16.23% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$16.4B
+0.7% YoY
+0.8% QoQ
|
-$30.6B |
$47.0B
-1.9% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$12.5B
+0.0% YoY
+0.4% QoQ
|
-$16.8B |
$29.4B
-0.4% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
33% |
| Total Deposits ? |
$13.3B
+5.4% YoY
+1.1% QoQ
|
-$25.1B |
$38.4B
-1.6% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
0.88%
+6.6% YoY
-9.7% QoQ
|
-0.40% |
1.28%
+18.7% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
3.58%
+3.0% YoY
+0.4% QoQ
|
-0.19% |
3.77%
+5.8% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
70.23%
+1.4% YoY
+2.0% QoQ
|
+16.23% |
54.01%
-3.7% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate ? |
1.94%
+37.5% YoY
+22.5% QoQ
|
+0.92% |
1.02%
-3.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.8% in tier |
| Loan-to-Deposit Ratio ? |
94.43%
-5.0% YoY
-0.7% QoQ
|
+13.64% |
80.79%
+1.9% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
22.84%
+0.2% YoY
-2.2% QoQ
|
+2.80% |
20.04%
+0.2% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
51% |
| Nonperforming Asset Ratio ? |
1.61%
+44.9% YoY
+19.7% QoQ
|
+0.89% |
0.72%
+4.2% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.1% in tier |
| Tier 1 Capital Ratio ? |
12.41%
+7.9% YoY
+1.0% QoQ
|
-3.11% |
15.51%
-0.4% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.23%
+21.3% YoY
-72.5% QoQ
|
+0.00% |
0.22%
+0.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
71% |
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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 (0)
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.