First United Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 21.52 percentage points lower than in Q1 2026, at 102.49%. Within Texas, First United Bank is 66th of 345 on return on assets, 2.02% as of Q2 2026, above the middle of the field. First United Bank's return on assets of 2.02% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.74 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.64% |
| Tier 1 risk-based capital ratio | 15.64% |
| Total risk-based capital ratio | 16.83% |
| Tier 1 leverage ratio | 11.17% |
| Equity capital to assets | 10.51% |
| Tangible equity to tangible assets | 9.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.31% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | 0.24% |
| Texas ratio | 7.98% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 102.49% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.02% |
| Return on equity | 20.17% |
| Net interest margin | 3.97% |
| Efficiency ratio | 49.51% |
| Yield on earning assets | 5.70% |
| Cost of funds | 1.47% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.78% |
| Core deposits to total deposits | 85.34% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.61% |
| Securities to assets | 31.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.71% | 14.71% | 15.83% | 10.67% | 1.39% |
| Q4 2023 | 15.32% | 15.32% | 16.54% | 10.91% | 1.28% |
| Q1 2024 | 15.49% | 15.49% | 16.71% | 11.17% | 1.36% |
| Q2 2024 | 15.50% | 15.50% | 16.73% | 11.30% | 1.51% |
| Q3 2024 | 15.85% | 15.85% | 17.10% | 11.47% | 1.56% |
| Q4 2024 | 16.15% | 16.15% | 17.39% | 11.81% | 1.31% |
| Q1 2025 | 14.37% | 14.37% | 15.55% | 10.97% | 1.46% |
| Q2 2025 | 14.69% | 14.69% | 15.91% | 10.28% | 1.64% |
| Q3 2025 | 14.84% | 14.84% | 16.05% | 10.56% | 1.87% |
| Q4 2025 | 15.56% | 15.56% | 16.78% | 10.89% | 1.87% |
| Q1 2026 | 15.89% | 15.89% | 17.14% | 11.08% | 1.93% |
| Q2 2026 | 15.64% | 15.64% | 16.83% | 11.17% | 2.02% |
First United Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First United Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12769) · FFIEC NIC profile (RSSD 578255)