FIRST UNITED BANK AND TRUST COMPANY

DURANT, OK | Regional | Est. Jan. 1, 1900, midnight | FDIC #4239 | RSSD #509950 | FED
Latest Report: 2025-12-31

FIRST UNITED BANK AND TRUST COMPANY is arn regional FDIC-insured commercial bank headquartered in DURANT, OK, established in Jan. 1, 1900, midnight. As of 2025-12-31, the bank reported total assets of $16.3B and total deposits of $13.1B. Profitability stands at 1.17% ROA and 12.63% ROE, with a net interest margin of 3.64%. The bank's CET1 capital ratio is 12.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.00% and a Texas Ratio of 8.78%. FDIC Certificate #4239.

Assets

$16.3B

Deposits

$13.1B

Loans

$12.6B

Equity

$1.6B

Profitability

Return on Assets (ROA) 1.17%
Return on Equity (ROE) 12.63%
Net Interest Margin (NIM) 3.64%
Yield on Assets 6.14%
Cost of Funds 4.01%

Asset Quality

NPL Ratio 1.00%
Net Charge-Off Ratio 0.15%
Texas Ratio 8.78%
NPA Ratio 0.91%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 12.24%
Tier 1 Capital 12.29%
Total Capital Ratio 13.37%
Leverage Ratio 9.43%
Loan-to-Deposit 96.10%

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