First United Bank and Trust Company, Inc.: 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, Inc. of Madisonville, KY against its peer group of 2603 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 | 1.49% | 1.34% | +0.15% | 62nd above |
| ROAE | 25.19% | 13.32% | +11.87% | 96th top |
| Net Interest Margin | 3.97% | 3.93% | +0.04% | 52nd above |
| Efficiency Ratio | 64.85% | 61.13% | +3.72% | 39th below |
| PPNR / Avg Assets | 1.53% | 1.68% | -0.15% | 46th below |
| Yield on Earning Assets | 5.71% | 5.67% | +0.04% | 55th above |
| Cost of Funds | 1.63% | 1.88% | -0.25% | 61st above |
| Net Interest Spread | 3.45% | 3.32% | +0.13% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 0.94% | -0.67% | 59th above |
| NPA / Total Assets | 0.18% | 0.70% | -0.52% | 61st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 46th below |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 432.77% | 1546.82% | -1114.05% | 68th above |
| Texas Ratio | 2.63% | 7.34% | -4.71% | 56th above |
| Provision / NCO | 3075.00% | 1393.41% | +1681.59% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.22% | 19.49% | -5.27% | 41st below |
| Tier 1 Ratio | 14.22% | 19.52% | -5.30% | 41st below |
| Total Capital Ratio | 15.37% | 20.61% | -5.24% | 41st below |
| Leverage Ratio | 9.53% | 12.14% | -2.61% | 22nd bottom |
| Equity / Assets | 6.11% | 11.37% | -5.26% | 3rd bottom |
| TCE / Tangible Assets | 6.11% | 11.09% | -4.98% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.41% | 80.66% | -4.25% | 59th above |
| Core Deposit Ratio | 93.11% | 86.85% | +6.26% | 74th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.35% | 5.04% | -0.69% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.37% | 6.84% | -6.47% | 22nd bottom |
| Loan Growth (Y/Y) | 0.28% | 7.92% | -7.64% | 23rd bottom |
| Deposit Growth (Y/Y) | -2.04% | 6.29% | -8.33% | 13th bottom |
See First United Bank and Trust Company, Inc.'s peers by name
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Unlock First United Bank and Trust Company, Inc., 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, Inc. profile, how to read a UBPR, or how this data updates.