First United Bank and Trust Company
Durant, OK · Cert 4239 · Peer group: banks over $10B in assets (n=142-144) · Spend Life Wisely Co. Inc.
State charter, Fed member · FED · 74 branches
Q2 2026
$16.6BAssets
$12.8BLoans
$13.3BDeposits
$1.6BEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 77% of banks over $10B in assets (rank 33 of 142).
- Widest gap: efficiency ratio trails 91% of banks over $10B in assets (rank 132 of 144).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.91%
Rank 120 of 144
Net Interest Margin
3.28%
Rank 76 of 144
Efficiency Ratio
71.51%
Rank 132 of 144
Equity / Assets
9.72%
Rank 106 of 144
Non-interest income vs. expense
Unfavorable gap of $345.6M · efficiency ratio beats 9% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 1.00% | 1.26% | 1.54% | Beats 17% | 120 / 144 | | |
| Return on Equity | 9.33% | 8.98% | 11.34% | 14.40% | Beats 31% | 100 / 144 | | |
| Net Interest Margin | 3.28% | 2.82% | 3.31% | 3.68% | Beats 47% | 76 / 144 | | |
| Efficiency Ratio | 71.51% | 49.42% | 56.02% | 62.41% | Beats 9% | 132 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.69% | 0.48% | 0.73% | 1.07% | Beats 10% | 129 / 142 | | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.11% | 0.22% | Beats 77% | 33 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 12.31% | 12.07% | 12.98% | 14.92% | Beats 35% | 93 / 144 | | |
| Total Risk-Based Capital Ratio | 13.36% | 13.39% | 14.14% | 16.25% | Beats 24% | 109 / 144 | | |
| Equity / Assets | 9.72% | 9.69% | 11.39% | 12.96% | Beats 26% | 106 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.00% | 75.72% | 84.92% | 91.56% | 86th pctl | 20 / 143 | | |
| Loans / Assets | 77.10% | 59.83% | 69.07% | 74.80% | 80th pctl | 29 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |