First United Bank and Trust Company, Inc.
Madisonville, KY · Cert 34150 · Peer group: banks under $1B in assets in KY (n=69) · First United Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$591.4MAssets
$401.2MLoans
$525.0MDeposits
$36.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 93% of banks under $1B in assets in KY (rank 5 of 69).
- Widest gap: equity / assets trails 96% of banks under $1B in assets in KY (rank 66 of 69).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.15%
Rank 37 of 69
Net Interest Margin
3.67%
Rank 38 of 69
Efficiency Ratio
66.22%
Rank 41 of 69
Equity / Assets
6.11%
Rank 66 of 69
Non-interest income vs. expense
Unfavorable gap of $13.3M · efficiency ratio beats 42% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.83% | 1.18% | 1.44% | Beats 46% | 37 / 69 | |
| Return on Equity | 18.83% | 7.64% | 11.70% | 15.70% | Beats 93% | 5 / 69 | |
| Net Interest Margin | 3.67% | 3.45% | 3.75% | 3.96% | Beats 45% | 38 / 69 | |
| Efficiency Ratio | 66.22% | 55.32% | 62.99% | 70.80% | Beats 42% | 41 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.18% | 0.52% | 1.14% | Beats 65% | 25 / 69 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 88% | 9 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 14.22% | 11.33% | 13.58% | 16.27% | Beats 54% | 32 / 69 | |
| Total Risk-Based Capital Ratio | 15.37% | 11.55% | 14.43% | 17.27% | Beats 57% | 30 / 69 | |
| Equity / Assets | 6.11% | 8.31% | 9.91% | 12.53% | Beats 4% | 66 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 76.41% | 71.40% | 81.07% | 88.03% | 38th pctl | 43 / 69 | |
| Loans / Assets | 67.84% | 61.10% | 68.66% | 76.68% | 43rd pctl | 39 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |