First United National Bank
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Data as of · sourced from FFIEC call reports. How we update
First United National Bank is an FDIC-insured commercial bank headquartered in Fryburg, PA, established in 1909 (FDIC certificate 7886), and it is supervised by the OCC. At Q2 2026 it reported total assets of $385.8M, up 7.9% from Q2 2025, the 78th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 16.79% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7886
- Headquarters
- Fryburg, PA
- Established
- 1909
- Total assets, Q2 2026
- $385.8M
- Assets vs Q2 2025
- +7.9%
- CET1 ratio, Q2 2026
- 16.79%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 043311662
- Latest call report
- Q2 2026, FFIEC 051 · First United National Bank call report
- Holding company
- FRYBURG BANKING COMPANY, INC.
- Asset rank in state
- 78th of 109 in Pennsylvania
First United National Bank operates with a thinner capital cushion than most banks of its size. It reported $386 million in assets at June 30, 2026, up 7.9% from a year earlier. It funds 8.16% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it holds commercial real estate loans equal to only 20% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $739,000, 98% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $14 million equal 42% of Tier 1 capital, down from 58% a year earlier. Its margin is thin by comparison: it keeps 3.07 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, First United National Bank reported a CET1 capital ratio of 16.79%, a return on assets of 0.74%, a nonperforming-loan ratio of 0.91% and a Texas ratio of 8.28%. The figures come from its call report filed with the FFIEC.
First United National Bank ranks as the 78th largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.3% to $385.8M, loans rose 1.4% and deposits rose 4.5%. 1-4 family residential loans made up 68.1% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 9.6%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in PA; its Fryburg office books 32% of its branch deposits. On its Q2 2026 call report, First United National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 19535 Route 208, Fryburg, PA 16326
- County
- Clarion
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 2, 1909
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $362.6M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $62K
- Average total assets
- $397.6M
- Average total loans
- $205.6M
- Average interest-bearing deposits
- $247.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7886
- Fed RSSD
- 127224
- Website
- www.fun-bank.com →
- Parent Holding Company
- FRYBURG BANKING COMPANY, INC. (RSSD 2687601)
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
From Q3 2023 to Q2 2026, First United National Bank's total assets ranged from $346.0M (Q2 2024) to $385.8M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$385.8M total assets against $357.4M; $364.0M total liabilities against $340.5M.
$204.6M net loans and leases against $199.0M; $362.6M total deposits against $339.2M.
$104.6M securities against $118.2M; $60.0M cash and balances due against $22.6M.
$4.0M total interest income against $3.6M; $1.1M total interest expense against $1.3M.
$2.9M net interest income against $2.3M.
$402K total noninterest income against $326K; $2.4M total noninterest expense against $2.1M.
$19K provision for credit losses against $72K.
$739K net income against $373K.
0.74% return on assets against 0.39%; 3.07% net interest margin against 2.58%.
16.79% CET1 capital ratio against 15.94%; 8.16% tier 1 leverage ratio against 8.06%.
Inside the full First United National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst United National Bank rankings
Its closest position to the top of a national ranking is 801 of 3,640, for Texas Ratio; its furthest is 2,978 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.22% (Q3 2024) to 0.74% (Q2 2026) and its net interest margin ran from 2.21% (Q3 2024) to 3.07% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.79% | 0.74% | 0.91% | 8.28% | 3.07% |
| Q1 2026 | 16.58% | 0.50% | 0.93% | 8.44% | 2.85% |
| Q4 2025 | 16.52% | 0.55% | 0.82% | 7.50% | 2.83% |
| Q3 2025 | 16.30% | 0.67% | 0.87% | 8.45% | 2.67% |
| Q2 2025 | 15.94% | 0.39% | 0.80% | 9.09% | 2.58% |
| Q1 2025 | 15.99% | 0.32% | 0.82% | 9.34% | 2.38% |
| Q4 2024 | 15.91% | 0.42% | 0.84% | 10.73% | 2.35% |
| Q3 2024 | 15.81% | 0.22% | 0.91% | 9.67% | 2.21% |
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 National Bank (main office) | Fryburg , PA | 16326 | $117.8M |
| Clarion Branch | Clarion , PA | 16214 | $60.6M |
| Franklin Branch | Franklin , PA | 16323 | $56.0M |
| Oil City Branch | Oil City , PA | 16301 | $48.5M |
| New Bethlehem Branch | New Bethlehem , PA | 16242 | $40.4M |
| Cranberry Branch | Cranberry , PA | 16319 | $32.3M |
| Tionesta Branch | Tionesta , PA | 16353 | $7.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 19, 1993, OCC: Formal Agreement: First United National Bank
- Period: Most recent institution action January 19, 1993. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 94 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 National Bank
What are First United National Bank's total assets?
As of the Q2 2026 filing, First United National Bank reported total assets of $385.8 million in its FFIEC call report.
Where is First United National Bank headquartered?
It is headquartered in Fryburg, PA, United States.
When was First United National Bank founded?
It was established in 1909, per the FDIC institution directory.
Is First United National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7886). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First United National Bank?
First United National Bank's primary federal regulator is the OCC.
What is First United National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.79% 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 National Bank 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 National Bank's Texas Ratio?
Its Texas Ratio is 8.28% 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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