FIRST UNITED BANK

PARK RIVER, ND | Medium | Est. Jan. 1, 1886, midnight | FDIC #15472 | RSSD #1011955 | FDIC
Latest Report: 2025-12-31

FIRST UNITED BANK is amn medium FDIC-insured commercial bank headquartered in PARK RIVER, ND, established in Jan. 1, 1886, midnight. As of 2025-12-31, the bank reported total assets of $724M and total deposits of $621M. Profitability stands at 1.29% ROA and 12.51% ROE, with a net interest margin of 3.70%. The bank's CET1 capital ratio is 7.57%. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.99%. FDIC Certificate #15472.

Assets

$724M

Deposits

$621M

Loans

$532M

Equity

$75M

Profitability

Return on Assets (ROA) 1.29%
Return on Equity (ROE) 12.51%
Net Interest Margin (NIM) 3.70%
Yield on Assets 5.67%
Cost of Funds 2.03%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio -0.05%
Texas Ratio 0.99%
NPA Ratio 0.11%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 7.57%
Tier 1 Capital 7.57%
Total Capital Ratio 7.95%
Leverage Ratio 10.20%
Loan-to-Deposit 85.72%

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