First United Bank (Dimmitt, TX): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First United Bank, based in Dimmitt, Texas, reported $2.4 billion in assets at June 30, 2026, up 1.9% from a year earlier. It holds about half of its deposits (50%) above the FDIC insurance limit, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). On the other hand, it returns 20.2% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.40% of loans from 0.92%. Its $197 million commercial and industrial book is improving, with 1.22% past due or on nonaccrual, down from 2.94% a year earlier.
As of June 30, 2026, First United Bank reported a CET1 capital ratio of 15.64%, a return on assets of 2.02%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 2.43%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 201 N Broadway St, Dimmitt, TX 79027
- County
- Castro
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 7, 1907
- Offices
- 25 domestic
- Employees (FTE)
- 293
- Domestic deposits
- $2.13B
- Allowance for credit losses
- $20.3M
- Net charge-offs (YTD)
- $727K
- Average total assets
- $2.50B
- Average total loans
- $1.50B
- Average interest-bearing deposits
- $2.16B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12769
- Fed RSSD
- 578255
- SEC CIK
- 1918004 → filed by PLAINS BANCORP, INC.
- Website
- www.firstunited.bank →
- Parent Holding Company
- PLAINS BANCORP, INC. (RSSD 1108163)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First United Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First United Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
First United Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First United Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.64% | 2.02% | 0.41% | 2.43% | 3.97% |
| Q1 2026 | 15.89% | 1.93% | 0.71% | 4.37% | 3.84% |
| Q4 2025 | 15.56% | 1.87% | 0.74% | 12.60% | 3.92% |
| Q3 2025 | 14.84% | 1.87% | 0.85% | 14.50% | 3.90% |
| Q2 2025 | 14.69% | 1.64% | 0.92% | 15.80% | 3.70% |
| Q1 2025 | 14.37% | 1.46% | 0.66% | 14.50% | 3.50% |
| Q4 2024 | 16.15% | 1.31% | 0.75% | 14.57% | 3.32% |
| Q3 2024 | 15.85% | 1.56% | 1.97% | 13.17% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 24 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First United Bank the Colonies Branch | Amarillo , TX | 79119 | $307.6M |
| First United Bank Lamesa Branch | Lamesa , TX | 79331 | $214.5M |
| Canyon Branch | Canyon , TX | 79015 | $188.9M |
| Seminole Branch | Seminole , TX | 79360 | $188.3M |
| Southeast Banking Center | Lubbock , TX | 79423 | $151.8M |
| Lubbock Northwest Branch | Lubbock , TX | 79416 | $132.4M |
| First Bank & Trust Childress Bank Branch | Childress , TX | 79201 | $120.0M |
| First United Bank (main office) | Dimmitt , TX | 79027 | $100.5M |
| Seagraves Branch | Seagraves , TX | 79359 | $87.7M |
| Sudan Branch | Sudan , TX | 79371 | $71.5M |
| Haskell Branch | Haskell , TX | 79521 | $71.4M |
| Lubbock Southwest Branch | Lubbock , TX | 79424 | $68.1M |
| Tradewind Branch Amarillo Branch | Amarillo , TX | 79118 | $64.1M |
| Littlefield Branch | Littlefield , TX | 79339 | $51.4M |
| Idalou Branch | Idalou , TX | 79329 | $48.3M |
| Ralls Branch | Ralls , TX | 79357 | $48.2M |
| Earth Branch | Earth , TX | 79031 | $46.0M |
| Hale Center Branch | Hale Center , TX | 79041 | $42.8M |
| Plainview Branch | Plainview , TX | 79072 | $38.4M |
| First United Bank Wichita Falls Banking Center | Wichita Falls , TX | 76308 | $38.1M |
| Petersburg Branch | Petersburg , TX | 79250 | $27.4M |
| Abernathy Branch | Abernathy , TX | 79311 | $16.2M |
| 704 10th Street Branch | Paducah , TX | 79248 | $10.9M |
| Detached Drive-In Facility | Dimmitt , TX | 79027 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 28, 2025 | Structure Change | Acquired Vista Bank Sale of Assets for the acquired bank | FFIEC NIC |
| September 1, 2021 | Structure Change | Acquired First Bank and Trust of Childress Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2007 | Structure Change | Acquired The First National Bank of Lamesa Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2000 | Structure Change | Acquired The First National Bank of Sudan Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1994 | Structure Change | Acquired Shadow Hills National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 25, 1991 | Structure Change | Acquired The First State Bank in Seagraves Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 24, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 27, 1989 | Structure Change | Acquired Citizens State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 26, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 13 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First United Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TX, rank 64 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 417 applications, 384 loans originated, $95.9M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $793K approved, $264K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First United Bank
What are First United Bank's total assets?
As of the Q2 2026 filing, First United Bank reported total assets of $2.41 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First United Bank headquartered?
First United Bank is headquartered in Dimmitt, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First United Bank founded?
First United Bank was established in 1907, per the FDIC institution directory.
Is First United Bank FDIC-insured?
Yes. First United Bank is an FDIC-insured commercial bank (FDIC Certificate #12769). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First United Bank?
First United Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First United Bank's CET1 capital ratio?
First United Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.64% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First United Bank operate?
First United Bank operates 25 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First United Bank's Texas Ratio?
First United Bank's Texas Ratio is 2.43% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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