First United Bank
Dimmitt, TX · Cert 12769 · Peer group: banks $1B-$10B in assets (n=311-317) · Plains Bcorp Inc.
State charter, non-member · FDIC · 24 branches
Q2 2026
$2.4BAssets
$1.5BLoans
$2.1BDeposits
$253.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 81% of banks $1B-$10B in assets (rank 59 of 317).
- Widest gap: net charge-offs / loans trails 66% of banks $1B-$10B in assets (rank 206 of 311).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.61%
Rank 69 of 317
Net Interest Margin
3.72%
Rank 96 of 317
Efficiency Ratio
53.24%
Rank 97 of 317
Equity / Assets
10.51%
Rank 153 of 317
Non-interest income vs. expense
Unfavorable gap of $41.0M · efficiency ratio beats 70% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.61% | 0.93% | 1.22% | 1.51% | Beats 78% | 69 / 317 | |
| Return on Equity | 15.30% | 8.63% | 11.43% | 14.48% | Beats 81% | 59 / 317 | |
| Net Interest Margin | 3.72% | 3.06% | 3.45% | 3.83% | Beats 70% | 96 / 317 | |
| Efficiency Ratio | 53.24% | 51.90% | 59.69% | 67.53% | Beats 70% | 97 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.24% | 0.51% | 1.14% | Beats 61% | 121 / 311 | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.04% | 0.12% | Beats 34% | 206 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 15.64% | 11.75% | 13.15% | 15.30% | Beats 77% | 73 / 317 | |
| Total Risk-Based Capital Ratio | 16.83% | 12.63% | 14.21% | 16.26% | Beats 80% | 64 / 317 | |
| Equity / Assets | 10.51% | 9.06% | 10.32% | 11.95% | Beats 52% | 153 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 70.78% | 76.63% | 88.04% | 95.67% | 16th pctl | 261 / 312 | |
| Loans / Assets | 62.71% | 65.41% | 74.05% | 79.71% | 20th pctl | 253 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |