First United Bank and Trust Company, Inc.
Also written as FUB&T
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Data as of · sourced from FFIEC call reports. How we update
First United Bank and Trust Company, Inc. is an FDIC-insured commercial bank headquartered in Madisonville, KY, established in 1996 (FDIC certificate 34150), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $591.4M, up 0.4% from Q2 2025, the 30th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 14.22% 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
- 34150
- Headquarters
- Madisonville, KY
- Established
- 1996
- Total assets, Q2 2026
- $591.4M
- Assets vs Q2 2025
- +0.4%
- CET1 ratio, Q2 2026
- 14.22%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 083902507
- Latest call report
- Q2 2026, FFIEC 051 · First United Bank and Trust Company, Inc. Q3 2026 call report, filed October 20, 2026 (preliminary)
- Holding company
- FIRST UNITED BANCORP, INC.
- Asset rank in state
- 30th of 120 in Kentucky
First United Bank and Trust Company, Inc. is one of the more profitable banks of its size. It reported $591 million in assets at June 30, 2026. It returns 25.2% a year on shareholders' equity, about double the median of 12.6% for the 2,627 banks with $100 million to $1 billion in assets. It also lost 2.0% of its deposits over the year, lower than about three-quarters of banks its size (median 4.1%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $22 million equal 37% of Tier 1 capital, down from 46% a year earlier. Earnings jumped: net income for the quarter was $2.3 million, 34% above the same quarter a year earlier. Where it has less room is capital: it funds 9.53% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, First United Bank and Trust Company, Inc. reported a CET1 capital ratio of 14.22%, a return on assets of 1.49%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 2.48%. The figures come from its call report filed with the FFIEC.
First United Bank and Trust Company, Inc. ranks as the 30th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.4% to $591.4M, loans fell 1.0% and deposits fell 2.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.5% of total loans, followed by non-owner-occupied commercial real estate loans at 16.3%. The FDIC Summary of Deposits lists 7 offices for it, in 5 cities in KY; its Madisonville 2 offices book 56% of its branch deposits. On its Q2 2026 call report, First United Bank and Trust Company, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 162 N Main St, Madisonville, KY 42431
- County
- Hopkins
- Metro Area
- Madisonville, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 29, 1996
- Former names
- First United Bank and Trust Company (2016)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 108
- Domestic deposits
- $525.0M
- Allowance for credit losses
- $4.6M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $605.5M
- Average total loans
- $404.7M
- Average interest-bearing deposits
- $490.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 29, 1996
- FDIC Cert
- 34150
- Fed RSSD
- 2356091
- SEC CIK
- 1537389 → filed by FIRST UNITED BANCORP, INC.
- Website
- www.efirstunitedbank.com →
- Parent Holding Company
- FIRST UNITED BANCORP, INC. (RSSD 2356082)
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, Inc.'s total assets ran between $521.8M (Q3 2023) and $605.6M (Q1 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
$591.4M total assets against $589.2M; $555.2M total liabilities against $560.7M.
$396.5M net loans and leases against $395.6M; $525.0M total deposits against $536.0M.
$136.0M securities against $130.2M; $34.6M cash and balances due against $38.8M.
$8.2M total interest income against $8.0M; $2.5M total interest expense against $3.1M.
$5.7M net interest income against $5.0M.
$951K total noninterest income against $829K; $4.3M total noninterest expense against $4.1M.
$62K provision for credit losses against $62K.
$2.3M net income against $1.7M.
1.49% return on assets against 1.11%; 3.97% net interest margin against 3.48%.
14.22% CET1 capital ratio against 12.84%; 9.53% tier 1 leverage ratio against 8.68%.
Inside the full First United Bank and Trust Company, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst United Bank and Trust Company, Inc. rankings
Its closest position to the top of a national ranking is 1,341 of 3,611, for ROA; its furthest is 2,341 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.90% (Q3 2024) to 1.49% (Q2 2026) and its net interest margin ran from 3.07% (Q3 2024) to 3.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.22% | 1.49% | 0.25% | 2.48% | 3.97% |
| Q1 2026 | 13.62% | 1.35% | 0.27% | 2.91% | 3.71% |
| Q4 2025 | 13.23% | 1.18% | 0.14% | 1.70% | 3.74% |
| Q3 2025 | 13.07% | 1.24% | 0.16% | 1.90% | 3.60% |
| Q2 2025 | 12.84% | 1.11% | 0.19% | 2.53% | 3.48% |
| Q1 2025 | 12.91% | 0.94% | 0.17% | 2.77% | 3.25% |
| Q4 2024 | — | 1.05% | 0.13% | 2.34% | 3.22% |
| Q3 2024 | — | 0.90% | 0.18% | 2.12% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 | Madisonville , KY | 42431 | $272.4M |
| Beaver Dam Branch | Beaver Dam , KY | 42320 | $138.6M |
| Frederica Street Branch | Owensboro , KY | 42301 | $37.7M |
| Parrish Ave. Branch | Owensboro , KY | 42301 | $22.0M |
| Northside Office Branch | Madisonville , KY | 42431 | $20.4M |
| Earlington Branch | Earlington , KY | 42410 | $19.9M |
| Marion Kentucky Branch | Marion , KY | 42064 | $14.1M |
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 |
|---|---|---|---|
| April 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2016 | Structure Change | Acquired Bank of Ohio County, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KY, rank 46 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 132 applications, 119 loans originated, $27.8M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $20K approved, $20K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (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 and Trust Company, Inc.
What are First United Bank and Trust Company, Inc.'s total assets?
As of the Q2 2026 filing, First United Bank and Trust Company, Inc. reported total assets of $591.4 million in its FFIEC call report.
Where is First United Bank and Trust Company, Inc. headquartered?
It is headquartered in Madisonville, KY, United States.
When was First United Bank and Trust Company, Inc. founded?
It was established in 1996, per the FDIC institution directory.
Is First United Bank and Trust Company, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34150). 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, Inc.?
First United Bank and Trust Company, Inc.'s primary federal regulator is the FDIC.
What is First United Bank and Trust Company, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.22% 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 and Trust Company, Inc. operate?
It operates 7 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, Inc.'s Texas Ratio?
Its Texas Ratio is 2.48% 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 and Trust Company, Inc. previously called?
The charter now named First United Bank and Trust Company, Inc. has also operated as First United Bank and Trust Company (2016), per FDIC structure-change records.
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