First United Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
First United Bank and Trust Company is an FDIC-insured commercial bank headquartered in Durant, OK (FDIC certificate 4239), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $16.59B, up 1.0% from Q2 2025, the 3rd largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 12.28% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4239
- Headquarters
- Durant, OK
- Established
- Not reported
- Total assets, Q2 2026
- $16.59B
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 12.28%
- Domestic offices
- 85 FDIC institution directory, current count
- Routing number
- 103100881
- Latest call report
- Q2 2026, FFIEC 041 · First United Bank and Trust Company call report
- Holding company
- SPEND LIFE WISELY COMPANY, INC.
- Asset rank in state
- 3rd of 169 in Oklahoma
First United Bank and Trust Company spends more to run itself than most banks of its size. It reported $16.6 billion in assets at June 30, 2026. It spends about 69 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 53 cents). It also carries problem assets equal to 10.0% of the capital and reserves that would absorb them, 2.4 times the median of 4.2% for banks its size.
Its $2.4 billion non-owner-occupied commercial real estate book is improving, with 2.06% past due or on nonaccrual, down from 5.57% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.00% of loans, down from 1.44% a year earlier. Profitability lags: it earns about $0.95 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.32).
As of June 30, 2026, First United Bank and Trust Company reported a CET1 capital ratio of 12.28%, a return on assets of 0.95%, a nonperforming-loan ratio of 1.69% and a Texas ratio of 9.98%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, First United Bank and Trust Company is the 3rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.2% to $16.59B, loans rose 1.0% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.2% of total loans, followed by non-owner-occupied commercial real estate loans at 18.6%. The FDIC Summary of Deposits lists 74 offices for it, in 50 cities across 2 states; its Durant 4 offices book 24% of its branch deposits. By the capital ratios in its Q2 2026 call report, First United Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1400 W Main St, Durant, OK 74701
- County
- Bryan
- Metro Area
- Durant, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Domestic offices
- 85 FDIC institution directory, current count
- Employees (FTE)
- 1,886
- Domestic deposits
- $13.33B
- Allowance for credit losses
- $127.4M
- Net charge-offs (YTD)
- $3.7M
- Average total assets
- $16.51B
- Average total loans
- $12.68B
- Average interest-bearing deposits
- $10.30B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4239
- Fed RSSD
- 509950
- SEC CIK
- 1815783 → filed by SPEND LIFE WISELY COMPANY, INC.
- Website
- www.firstunitedbank.com →
- Parent Holding Company
- SPEND LIFE WISELY COMPANY, INC. (RSSD 1058398)
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
Over the 12 quarters to Q2 2026, First United Bank and Trust Company's total assets ran between $15.97B (Q3 2023) and $16.59B (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
$16.59B total assets against $16.44B; $14.98B total liabilities against $15.00B.
$12.67B net loans and leases against $12.64B; $13.33B total deposits against $12.62B.
$2.25B securities against $2.13B; $329.7M cash and balances due against $285.2M.
$223.6M total interest income against $228.8M; $86.3M total interest expense against $99.8M.
$137.3M net interest income against $129.1M.
$34.7M total noninterest income against $35.2M; $122.7M total noninterest expense against $118.4M.
$1.8M provision for credit losses against $4.0M.
$39.3M net income against $36.0M.
0.95% return on assets against 0.87%; 3.61% net interest margin against 3.38%.
12.28% CET1 capital ratio against 11.13%; 9.80% tier 1 leverage ratio against 8.79%.
Inside the full First United Bank and Trust Company 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First United Bank and Trust Company rankings
Its closest position to the top of a national ranking is 117 of 4,196, for total assets; its furthest is 1,622 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.82% (Q1 2025) to 1.15% (Q4 2025) and its net interest margin ran from 3.37% (Q3 2024) to 3.61% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.28% | 0.95% | 1.69% | 9.98% | 3.61% |
| Q1 2026 | 12.37% | 0.88% | 1.92% | 9.85% | 3.56% |
| Q4 2025 | 12.24% | 1.15% | 1.57% | 8.24% | 3.59% |
| Q3 2025 | 11.41% | 1.01% | 1.65% | 10.21% | 3.53% |
| Q2 2025 | 11.13% | 0.87% | 1.93% | 13.07% | 3.38% |
| Q1 2025 | 11.46% | 0.82% | 1.39% | 7.26% | 3.41% |
| Q4 2024 | 11.39% | 1.11% | 1.44% | 7.18% | 3.42% |
| Q3 2024 | 10.98% | 0.83% | 1.74% | 9.99% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
View all 74 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 and Trust Company (main office) | Durant , OK | 74701 | $3.08B |
| Ada Branch | Ada , OK | 74820 | $903.5M |
| Dallas Preston Center Branch | Dallas , TX | 75225 | $677.4M |
| Sherman Taylor Branch | Sherman , TX | 75090 | $518.0M |
| Seguin Main Branch | Seguin , TX | 78155 | $460.3M |
| Denison Main Branch | Denison , TX | 75020 | $358.7M |
| Marble Falls Branch | Marble Falls , TX | 78654 | $348.3M |
| Mckinney Redbud Branch | Mckinney , TX | 75069 | $270.5M |
| Denton-South Branch | Denton , TX | 76205 | $257.9M |
| Norman Northwest Branch | Norman , OK | 73069 | $246.3M |
| Fredericksburg Branch | Fredericksburg , TX | 78624 | $228.7M |
| Austin Seven Oaks Branch | Austin , TX | 78746 | $224.2M |
| Purcell Branch | Purcell , OK | 73080 | $201.6M |
| Shawnee Branch | Shawnee , OK | 74804 | $183.3M |
| Pottsboro Branch | Pottsboro , TX | 75076 | $171.6M |
| Lakeway Branch | Lakeway , TX | 78734 | $167.5M |
| Hugo Branch | Hugo , OK | 74743 | $167.1M |
| Whitesboro Branch | Whitesboro , TX | 76273 | $157.8M |
| Bonham Branch | Bonham , TX | 75418 | $155.1M |
| Mckinney Craig Ranch Branch | Mckinney , TX | 75070 | $152.1M |
| Denison West Branch | Denison , TX | 75020 | $151.2M |
| Krum Branch | Krum , TX | 76249 | $142.0M |
| Madill Branch | Madill , OK | 73446 | $138.1M |
| Sherman Travis Branch | Sherman , TX | 75090 | $137.4M |
| SW 6th Street Branch | Moore , OK | 73160 | $137.4M |
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 |
|---|---|---|---|
| November 11, 2016 | Structure Change | Acquired American Bank of Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 10, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 14, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 14, 2015 | Structure Change | Acquired First American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2010 | Structure Change | Acquired First United Bank Mortgage Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 10, 2005 | Structure Change | Acquired Southwestern Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 9, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 26, 2005 | Structure Change | Acquired Farmers & Merchants State Bank of Krum Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 25, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 30, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 30, 2000 | Structure Change | Acquired First United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 6, 1999 | Structure Change | Acquired Oklahoma State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 5, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 1999 | Structure Change | Acquired First Shawnee Bancshares, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 18, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 23, 1999 | Structure Change | Acquired Bokchito Bancshares, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 22, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1998 | Structure Change | Acquired First United Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 6, 1990 | Structure Change | Acquired Midwest Savings Association Federal Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 9, 1990 | Structure Change | Acquired The First National Bank of Colbert Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 8, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 22 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 4.6% of deposits in OK, rank 6 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 9,837 applications, 6,705 loans originated, $2.38B originated, across 33 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 34 loans, $28.1M approved, $827K 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
- 27 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. 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
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Frequently asked about First United Bank and Trust Company
What are First United Bank and Trust Company's total assets?
As of the Q2 2026 filing, First United Bank and Trust Company reported total assets of $16.59 billion in its FFIEC call report.
Where is First United Bank and Trust Company headquartered?
It is headquartered in Durant, OK, United States.
Is First United Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4239). 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 and Trust Company?
First United Bank and Trust Company's primary federal regulator is the Federal Reserve.
What is First United Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.28% in its Q2 2026 call report, above regulatory requirements.
How many branches does First United Bank and Trust Company operate?
It operates 85 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 and Trust Company's Texas Ratio?
Its Texas Ratio is 9.98% 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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