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First United Bank and Trust Company

Durant, OK · Cert 4239 · Spend Life Wisely Co. Inc.

State charter, Fed member · FED · 74 branches

Q2 2026

$16.6BAssets
$12.8BLoans
$13.3BDeposits
$1.6BEquity
Loan mix
90%RE $11.2B9%C&I $1.1B1%Consumer $0.2BQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $10.3B23%Noninterest $3.0BQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.3% share · #26 of 166 inst. · $2.1B of $732.8B

88.1% Bryan
38.7% Grayson
49.6% Pontotoc
0.2% Dallas

Executive Summary

  • Earnings: ROA of 0.95%, up 7 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 1.69% of loans (-25 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 9.80%, up 100 bps from a year ago.
  • Funding: loans stand at 96.00% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.95%+7 bps YoY

Net Interest Margin (quarter, annualized)

3.33%+20 bps YoY

Efficiency Ratio (quarter, annualized)

69.88%-70 bps YoY

Tier 1 Leverage Ratio

9.80%+100 bps YoY

NIM

5.70%Q2 ’245.54%Q2 ’255.42%Q2 ’26+6%+6%

Non-interest income vs. expense

2.91%Q2 ’242.87%Q2 ’252.97%Q2 ’26-5%+6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%1.11%0.83%0.88%1.02%1.17%0.88%0.95%+7 bps
Return on Equity10.00%12.94%9.39%10.06%11.52%12.63%9.13%9.81%-24 bps
Net Interest Margin3.14%3.19%3.17%3.13%3.26%3.31%3.28%3.33%+20 bps
Efficiency Ratio68.52%59.15%69.28%70.58%69.23%66.40%70.23%69.88%-70 bps
Non-Interest Burden2.00%1.66%2.02%2.01%2.05%1.99%2.09%2.13%+12 bps
Growth
Asset Growth (YoY)2.99%0.00%-0.41%0.06%0.04%0.08%0.71%0.95%+89 bps
Loan Growth (YoY)3.63%0.18%0.13%0.46%0.46%0.30%-0.04%0.12%-33 bps
Deposit Growth (YoY)-2.02%-2.20%-1.67%4.08%3.46%4.98%5.36%5.59%+151 bps
Asset Quality
Nonperforming Loans / Loans1.74%1.44%1.39%1.93%1.65%1.57%1.92%1.69%-25 bps
Net Charge-Offs / Loans0.02%0.08%0.03%0.33%-0.03%0.25%0.03%0.08%-25 bps
Allowance / Loans1.09%1.09%1.11%1.04%1.06%1.02%1.01%1.00%-5 bps
Allowance Coverage of NPLs0.6x0.8x0.8x0.5x0.6x0.7x0.5x0.6x+0.1x
Capital
Tier 1 Leverage Ratio8.41%8.72%8.88%8.79%8.97%9.43%9.87%9.80%+100 bps
Total Risk-Based Capital12.20%12.63%12.71%12.30%12.61%13.37%13.48%13.36%+106 bps
Equity / Assets8.45%8.77%8.81%8.68%8.97%9.58%9.69%9.72%+104 bps
Liquidity & Funding
Loans / Deposits103.38%100.58%100.56%101.24%100.38%96.10%95.40%96.00%-524 bps
Liquid Assets / Assets0.63%0.38%0.43%0.67%0.94%1.05%0.82%0.80%+13 bps
CRE / Total Capitaln/an/an/an/a392%361%363%n/an/a