First United Bank
Dimmitt, TX · Cert 12769 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 82% of banks $1B-$10B in assets (rank 59 of 328).
- Widest gap: net charge-offs / loans trails 68% of banks $1B-$10B in assets (rank 219 of 322).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.61%
Rank 71 of 328
Net Interest Margin
3.72%
Rank 96 of 328
Efficiency Ratio
53.24%
Rank 106 of 328
Equity / Assets
10.51%
Rank 158 of 328
Non-interest income vs. expense
Unfavorable gap of $41.0M · efficiency ratio beats 68% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.61% | 0.91% | 1.22% | 1.52% | Beats 78% | 71 / 328 | n/a | |
| Return on Equity | 15.30% | 8.43% | 11.45% | 14.43% | Beats 82% | 59 / 328 | n/a | |
| Net Interest Margin | 3.72% | 3.03% | 3.45% | 3.83% | Beats 71% | 96 / 328 | n/a | |
| Efficiency Ratio | 53.24% | 51.61% | 59.56% | 67.53% | Beats 68% | 106 / 328 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.24% | 0.51% | 1.03% | Beats 61% | 127 / 322 | n/a | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.03% | 0.10% | Beats 32% | 219 / 322 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 15.64% | 11.75% | 13.15% | 15.47% | Beats 76% | 78 / 328 | n/a | |
| Total Risk-Based Capital Ratio | 16.83% | 12.63% | 14.15% | 16.46% | Beats 79% | 70 / 328 | n/a | |
| Equity / Assets | 10.51% | 9.15% | 10.33% | 12.01% | Beats 52% | 158 / 328 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 70.78% | 76.63% | 87.92% | 95.36% | 17th pctl | 269 / 323 | n/a | |
| Loans / Assets | 62.71% | 65.18% | 74.15% | 79.98% | 21st pctl | 259 / 328 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |