First United Bank (Park River, ND)
BankRegReports is independent of First United Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First United Bank is an FDIC-insured commercial bank headquartered in Park River, ND, established in 1886 (FDIC certificate 15472), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $810.8M, up 13.8% from Q2 2025, the 14th largest of 60 banks headquartered in North Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.13% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15472
- Headquarters
- Park River, ND
- Established
- 1886
- Total assets, Q2 2026
- $810.8M
- Assets vs Q2 2025
- +13.8%
- Tier 1 leverage ratio, Q2 2026
- 10.13%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 091301132
- Latest call report
- Q2 2026, FFIEC 051 · First United Bank call report
- Holding company
- FIRST HOLDING COMPANY OF PARK RIVER, INC
- Asset rank in state
- 14th of 60 in North Dakota
First United Bank, based in Park River, North Dakota, reported $811 million in assets at June 30, 2026, up 13.8% from a year earlier. It grew deposits 15.2% over the year, 3.8 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also earns about $1.97 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Earnings jumped: net income for the quarter was $3.8 million, 58% above the same quarter a year earlier. Its $60 million commercial and industrial book is improving, with 0.37% past due or on nonaccrual, down from 3.15% a year earlier.
As of June 30, 2026, First United Bank reported a return on assets of 1.97%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.92%. The figures come from its call report filed with the FFIEC.
Of the 60 banks headquartered in North Dakota, First United Bank is the 14th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 9.6% to $810.8M, loans rose 11.6% and deposits rose 9.7%. Its loan book on June 30, 2026 was led by agricultural production loans, at 38.4% of total loans, followed by farmland and other real estate loans at 19.1%. Its 19 offices in the FDIC Summary of Deposits are in 18 cities in ND; its Devils Lake office books 19% of its branch deposits. By the capital ratios in its Q2 2026 call report, First United Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 503 Briggs Ave S, Park River, ND 58270
- County
- Walsh
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1886
- Former names
- First State Bank of Park River (1987-1996); First Bank Park River, National Association (1985-1987)
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 96
- Domestic deposits
- $702.1M
- Allowance for credit losses
- $7.6M
- Net charge-offs (YTD)
- $17K
- Average total assets
- $778.1M
- Average total loans
- $543.0M
- Average interest-bearing deposits
- $530.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 15472
- Fed RSSD
- 1011955
- SEC CIK
- 1796895 → filed by FIRST HOLDING COMPANY OF PARK RIVER, INC
- Website
- www.firstunitedonline.com →
- Parent Holding Company
- FIRST HOLDING COMPANY OF PARK RIVER, INC (RSSD 1140266)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First United Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First United Bank's total assets ranged from $682.4M (Q3 2023) to $810.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$810.8M total assets against $712.5M; $726.3M total liabilities against $643.5M.
$575.1M net loans and leases against $507.8M; $702.1M total deposits against $609.3M.
$172.7M securities against $150.9M; $17.1M cash and balances due against $14.0M.
$10.7M total interest income against $9.2M; $3.0M total interest expense against $3.2M.
$7.7M net interest income against $5.9M.
$649K total noninterest income against $545K; $4.4M total noninterest expense against $3.8M.
$150K provision for credit losses against $225K.
$3.8M net income against $2.4M.
1.97% return on assets against 1.36%; 4.24% net interest margin against 3.50%.
10.13% tier 1 leverage ratio against 10.07%.
Inside the full First United Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst United Bank rankings
Its closest position to the top of a national ranking is 526 of 3,611, for ROA; its furthest is 2,723 of 3,640, for Texas Ratio.
Banks merged into First United Bank
- First State Bank of Cando, effective May 16, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.08% (Q3 2024) to 1.97% (Q2 2026) and its net interest margin ran from 3.12% (Q3 2024) to 4.24% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.13% | 1.97% | 0.01% | 0.92% | 4.24% |
| Q1 2026 | 10.34% | 1.37% | 0.03% | 1.10% | 3.72% |
| Q4 2025 | 10.20% | 1.28% | 0.03% | 1.16% | 3.61% |
| Q3 2025 | 10.28% | 1.59% | 0.47% | 3.59% | 3.61% |
| Q2 2025 | 10.07% | 1.36% | 0.08% | 0.63% | 3.50% |
| Q1 2025 | 9.83% | 1.17% | 0.08% | 0.68% | 3.28% |
| Q4 2024 | 9.62% | 1.31% | 0.13% | 1.19% | 3.27% |
| Q3 2024 | 9.66% | 1.08% | 0.09% | 0.73% | 3.12% |
Swipe the table sideways to see every column.
Branch Network
View all 19 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Devils Lake Branch | Devils Lake , ND | 58301 | $136.0M |
| First United Bank (main office) | Park River , ND | 58270 | $127.9M |
| Grafton Branch | Grafton , ND | 58237 | $89.8M |
| Cavalier Branch | Cavalier , ND | 58220 | $39.8M |
| First State Cando Branch | Cando , ND | 58324 | $35.2M |
| Fargo Branch | Fargo , ND | 58104 | $35.1M |
| Maddock Branch | Maddock , ND | 58348 | $31.1M |
| Michigan Branch | Michigan , ND | 58259 | $30.6M |
| Adams Branch | Adams , ND | 58210 | $23.9M |
| Rugby Branch | Rugby , ND | 58368 | $23.5M |
| Aneta Branch | Aneta , ND | 58212 | $23.1M |
| Paying and Receiving Branch | Rocklake , ND | 58365 | $22.0M |
| Cooperstown Branch | Cooperstown , ND | 58425 | $14.5M |
| Sharon Branch | Sharon , ND | 58277 | $14.0M |
| Petersburg Branch | Petersburg , ND | 58272 | $12.9M |
| Paying and Receiving Branch | Bisbee , ND | 58317 | $12.5M |
| Cando Branch | Cando , ND | 58324 | $12.2M |
| Hoople Branch | Hoople , ND | 58243 | $10.1M |
| Crystal Branch | Crystal , ND | 58222 | $8.0M |
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 |
|---|---|---|---|
| May 18, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 16, 2026 | Structure Change | Acquired First State Bank of Cando Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 12, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 10, 2022 | Structure Change | Acquired Ramsey National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 13, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 13, 2017 | Structure Change | Acquired First Financial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 16, 1996 | Structure Change | Acquired Lamb's Bank of Michigan City Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 9, 1996 | Structure Change | Acquired Security State Bank of Adams Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 3, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.6% of deposits in ND, rank 18 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 68 applications, 61 loans originated, $13.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $249K approved, $249K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 5 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q2 to 2026-Q1. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows First United Bank’s latest filed figures and updates each quarter.
Similar banks
Compare First United Bank with peers
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 $810.8 million in its FFIEC call report.
Where is First United Bank headquartered?
It is headquartered in Park River, ND, United States.
When was First United Bank founded?
It was established in 1886, per the FDIC institution directory.
Is First United Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15472). 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.
How many branches does First United Bank operate?
It operates 19 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?
Its Texas Ratio is 0.92% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First United Bank previously called?
The charter now named First United Bank has also operated as First State Bank of Park River (1987-1996), First Bank Park River, National Association (1985-1987), per FDIC structure-change records.
Go deeper on First United Bank.
Get an email when First United Bank files its next call report, and benchmark it against any peer you choose.
Unlock First United Bank, freeFree account