First United National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 2.71 percentage points lower than in Q1 2026, at 27.10%. Within Pennsylvania, First United National Bank is 76th of 109 on return on assets, 0.74% as of Q2 2026, below the middle of the field. First United National Bank reported 0.74% on return on assets for Q2 2026, 0.51 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.79% |
| Tier 1 risk-based capital ratio | 16.79% |
| Total risk-based capital ratio | 17.35% |
| Tier 1 leverage ratio | 8.16% |
| Equity capital to assets | 5.66% |
| Tangible equity to tangible assets | 5.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.90% |
| Non-performing assets ratio | 0.48% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 8.43% |
| Allowance for credit losses to loans | 0.53% |
| Reserve coverage of non-performing loans | 58.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.74% |
| Return on equity | 13.67% |
| Net interest margin | 3.07% |
| Efficiency ratio | 72.45% |
| Yield on earning assets | 4.26% |
| Cost of funds | 1.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.73% |
| Core deposits to total deposits | 93.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 93.97% |
| Securities to assets | 27.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.60% | 15.60% | 16.11% | 8.28% | 0.27% |
| Q4 2023 | 16.00% | 16.00% | 16.53% | 8.58% | 0.25% |
| Q1 2024 | 16.01% | 16.01% | 16.51% | 8.41% | -0.05% |
| Q2 2024 | 15.82% | 15.82% | 16.33% | 8.50% | 0.30% |
| Q3 2024 | 15.81% | 15.81% | 16.32% | 8.36% | 0.22% |
| Q4 2024 | 15.91% | 15.91% | 16.44% | 8.32% | 0.42% |
| Q1 2025 | 15.99% | 15.99% | 16.53% | 8.03% | 0.32% |
| Q2 2025 | 15.94% | 15.94% | 16.49% | 8.06% | 0.39% |
| Q3 2025 | 16.30% | 16.30% | 16.86% | 8.29% | 0.67% |
| Q4 2025 | 16.52% | 16.52% | 17.09% | 8.29% | 0.55% |
| Q1 2026 | 16.58% | 16.58% | 17.15% | 8.36% | 0.50% |
| Q2 2026 | 16.79% | 16.79% | 17.35% | 8.16% | 0.74% |
First United National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First United National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First United National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7886) · FFIEC NIC profile (RSSD 127224)