FIRST UNITED NATIONAL BANK

FRYBURG, PA | Small | Est. Aug. 2, 1909, midnight | FDIC #7886 | RSSD #127224 | OCC
Latest Report: 2025-12-31

FIRST UNITED NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in FRYBURG, PA, established in Aug. 2, 1909, midnight. As of 2025-12-31, the bank reported total assets of $368M and total deposits of $345M. Profitability stands at 0.57% ROA and 10.19% ROE, with a net interest margin of 3.02%. The bank's CET1 capital ratio is 16.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.82% and a Texas Ratio of 7.42%. FDIC Certificate #7886.

Assets

$368M

Deposits

$345M

Loans

$201M

Equity

$21M

Profitability

Return on Assets (ROA) 0.57%
Return on Equity (ROE) 10.19%
Net Interest Margin (NIM) 3.02%
Yield on Assets 4.50%
Cost of Funds 1.45%

Asset Quality

NPL Ratio 0.82%
Net Charge-Off Ratio 0.08%
Texas Ratio 7.42%
NPA Ratio 0.45%
ACL / Loans 0.53%

Capital & Liquidity

CET1 Ratio 16.52%
Tier 1 Capital 16.52%
Total Capital Ratio 17.09%
Leverage Ratio 8.29%
Loan-to-Deposit 58.35%

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