First United Bank (Dimmitt, TX)
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Data as of · sourced from FFIEC call reports. How we update
First United Bank is an FDIC-insured commercial bank headquartered in Dimmitt, TX, established in 1907 (FDIC certificate 12769), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.41B, up 1.9% from Q2 2025, the 47th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 15.64% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12769
- Headquarters
- Dimmitt, TX
- Established
- 1907
- Total assets, Q2 2026
- $2.41B
- Assets vs Q2 2025
- +1.9%
- CET1 ratio, Q2 2026
- 15.64%
- Domestic offices
- 25 FDIC institution directory, current count
- Routing number
- 111310294
- Holding company
- PLAINS BANCORP, INC.
- Asset rank in state
- 47th of 346 in Texas
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%. The figures come from its call report filed with the FFIEC.
First United Bank ranks as the 47th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.6% to $2.41B, loans rose 1.5% and deposits fell 2.3%. Non-owner-occupied commercial real estate loans made up 20.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 14.1%. Its 24 offices in the FDIC Summary of Deposits are in 20 cities in TX; its Amarillo 2 offices book 17% of its branch deposits. On its Q2 2026 call report, First United Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 25 FDIC institution directory, current count
- 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
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. How we compute these figures
Quarterly trends
First United Bank's total assets moved between a low of $2.13B (Q4 2024) and a high of $2.45B (Q4 2025) from Q3 2023 to 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
$2.41B total assets against $2.36B; $2.16B total liabilities against $2.15B.
$1.49B net loans and leases against $1.45B; $2.13B total deposits against $2.12B.
$760.5M securities against $663.2M; $53.2M cash and balances due against $126.7M.
$33.7M total interest income against $33.0M; $10.3M total interest expense against $11.8M.
$23.4M net interest income against $21.3M.
$4.0M total noninterest income against $3.4M; $14.4M total noninterest expense against $14.2M.
$375K provision for credit losses against $399K.
$12.6M net income against $10.1M.
2.02% return on assets against 1.64%; 3.97% net interest margin against 3.70%.
15.64% CET1 capital ratio against 14.69%; 11.17% tier 1 leverage ratio against 10.28%.
Inside the full First United Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 102 of 980, for uninsured deposits; its furthest is 2,072 of 3,640, for Texas Ratio.
Metric pages for First United Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.31% (Q4 2024) to 2.02% (Q2 2026) and its net interest margin ran from 3.21% (Q3 2024) to 3.97% (Q2 2026).
| 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
View all 24 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TX, rank 64 of 441 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is First United Bank headquartered?
It is headquartered in Dimmitt, TX, United States.
When was First United Bank founded?
It was established in 1907, per the FDIC institution directory.
Is First United Bank FDIC-insured?
Yes. It 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.
What is First United Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 2.43% 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.
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