First United Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First United Bank and Trust Company of Durant, OK against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.95% | 1.39% | -0.44% | 21st bottom |
| ROAE | 9.81% | 12.25% | -2.44% | 36th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.61% | 3.82% | -0.21% | 51st above |
| Efficiency Ratio | 69.50% | 54.12% | +15.38% | 10th bottom |
| PPNR / Avg Assets | 1.19% | 2.05% | -0.86% | 14th bottom |
| Yield on Earning Assets | 5.87% | 5.71% | +0.16% | 83rd top |
| Cost of Funds | 2.34% | 2.02% | +0.32% | 29th below |
| Net Interest Spread | 2.93% | 3.13% | -0.20% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.86% | 0.97% | +0.89% | 7th bottom |
| NPA / Total Assets | 1.69% | 0.71% | +0.98% | 6th bottom |
| NCO / Avg Loans | 0.08% | 0.33% | -0.25% | 66th above |
| ACL / Total Loans | 1.00% | 1.39% | -0.39% | 27th below |
| ACL / NPLs (Coverage) | 53.54% | 236.67% | -183.13% | 8th bottom |
| Texas Ratio | 20.22% | 8.79% | +11.43% | 5th bottom |
| Provision / NCO | 71.93% | 123.71% | -51.78% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.28% | 15.68% | -3.40% | 33rd below |
| Tier 1 Ratio | 12.31% | 15.80% | -3.49% | 34th below |
| Total Capital Ratio | 13.36% | 16.93% | -3.57% | 26th below |
| Leverage Ratio | 9.80% | 10.51% | -0.71% | 36th below |
| Equity / Assets | 9.72% | 11.72% | -2.00% | 24th bottom |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.56% | 9.73% | -0.17% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.00% | 84.49% | +11.51% | 16th bottom |
| Core Deposit Ratio | 79.42% | 86.67% | -7.25% | 16th bottom |
| Uninsured Deposit Ratio | 36.50% | 36.84% | -0.34% | 59th above |
| Wholesale Funding Ratio | 9.22% | 5.81% | +3.41% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.95% | 12.01% | -11.06% | 21st bottom |
| Loan Growth (Y/Y) | 0.12% | 11.45% | -11.33% | 16th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.59% | 11.38% | -5.79% | 52nd above |
See First United Bank and Trust Company's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First United Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First United Bank and Trust Company profile, how to read a UBPR, or how this data updates.