First United Bank and Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First United Bank and Trust Company is a regional commercial bank serving Oklahoma and adjacent markets, with headquarters in Durant. Earnings are mid-range, 0.95% ROA and a 3.61% net interest margin. First United Bank and Trust Company's Q2 2026 balance sheet shows $16.6B in assets funded primarily by $13.3B in customer deposits. Capital is comfortably above regulatory requirements, CET1 ratio of 12.28% sits well above the 7% level required once the capital conservation buffer is included. Asset quality merits closer attention with NPLs at 1.86%. Its footprint covers 80 branches concentrated in Oklahoma.
As of June 30, 2026, First United Bank and Trust Company reported a CET1 capital ratio of 12.28%, a return on assets of 0.95%, a nonperforming-loan ratio of 1.86%, a Texas ratio of 20.22%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1400 W Main St, Durant, OK 74701
- County
- Bryan
- Metro Area
- Durant, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Offices
- 80 domestic
- Employees (FTE)
- 1,886
- Domestic deposits
- $13.33B
- Allowance for credit losses
- $127.4M
- Net charge-offs (YTD)
- $3.7M
- Average total assets
- $16.51B
- Average total loans
- $12.68B
- Average interest-bearing deposits
- $10.30B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4239
- Fed RSSD
- 509950
- SEC CIK
- 1815783 → filed by SPEND LIFE WISELY COMPANY, INC.
- Website
- www.firstunitedbank.com →
- Parent Holding Company
- SPEND LIFE WISELY COMPANY, INC. (RSSD 1058398)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First United Bank and Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First United Bank and Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First United Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.28% | 0.95% | 1.86% | 20.22% | 3.61% |
| Q1 2026 | 12.37% | 0.88% | 2.23% | 22.57% | 3.56% |
| Q4 2025 | 12.24% | 1.15% | 2.13% | 21.84% | 3.59% |
| Q3 2025 | 11.41% | 1.01% | 2.35% | 23.69% | 3.53% |
| Q2 2025 | 11.13% | 0.87% | 2.65% | 26.65% | 3.38% |
| Q1 2025 | 11.46% | 0.82% | 1.68% | 17.89% | 3.41% |
| Q4 2024 | 11.39% | 1.11% | 0.99% | 12.51% | 3.42% |
| Q3 2024 | 10.98% | 0.83% | 1.53% | 17.44% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 74 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First United Bank and Trust Company (main office) | Durant , OK | 74701 | $3.08B |
| Ada Branch | Ada , OK | 74820 | $903.5M |
| Dallas Preston Center Branch | Dallas , TX | 75225 | $677.4M |
| Sherman Taylor Branch | Sherman , TX | 75090 | $518.0M |
| Seguin Main Branch | Seguin , TX | 78155 | $460.3M |
| Denison Main Branch | Denison , TX | 75020 | $358.7M |
| Marble Falls Branch | Marble Falls , TX | 78654 | $348.3M |
| Mckinney Redbud Branch | Mckinney , TX | 75069 | $270.5M |
| Denton-South Branch | Denton , TX | 76205 | $257.9M |
| Norman Northwest Branch | Norman , OK | 73069 | $246.3M |
| Fredericksburg Branch | Fredericksburg , TX | 78624 | $228.7M |
| Austin Seven Oaks Branch | Austin , TX | 78746 | $224.2M |
| Purcell Branch | Purcell , OK | 73080 | $201.6M |
| Shawnee Branch | Shawnee , OK | 74804 | $183.3M |
| Pottsboro Branch | Pottsboro , TX | 75076 | $171.6M |
| Lakeway Branch | Lakeway , TX | 78734 | $167.5M |
| Hugo Branch | Hugo , OK | 74743 | $167.1M |
| Whitesboro Branch | Whitesboro , TX | 76273 | $157.8M |
| Bonham Branch | Bonham , TX | 75418 | $155.1M |
| Mckinney Craig Ranch Branch | Mckinney , TX | 75070 | $152.1M |
| Denison West Branch | Denison , TX | 75020 | $151.2M |
| Krum Branch | Krum , TX | 76249 | $142.0M |
| Madill Branch | Madill , OK | 73446 | $138.1M |
| Sherman Travis Branch | Sherman , TX | 75090 | $137.4M |
| SW 6th Street Branch | Moore , OK | 73160 | $137.4M |
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 |
|---|---|---|---|
| November 11, 2016 | Structure Change | Acquired American Bank of Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 10, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 14, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 14, 2015 | Structure Change | Acquired First American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2010 | Structure Change | Acquired First United Bank Mortgage Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 10, 2005 | Structure Change | Acquired Southwestern Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 9, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 26, 2005 | Structure Change | Acquired Farmers & Merchants State Bank of Krum Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 25, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 30, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 30, 2000 | Structure Change | Acquired First United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 6, 1999 | Structure Change | Acquired Oklahoma State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 5, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 1999 | Structure Change | Acquired First State Bank & Trust Company of Shawnee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 18, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 23, 1999 | Structure Change | Acquired The First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 22, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1998 | Structure Change | Acquired First United Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 6, 1990 | Structure Change | Acquired Midwest Savings Association Federal Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 9, 1990 | Structure Change | Acquired The First National Bank of Colbert Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 8, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 22 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First United Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.6% of deposits in OK, rank 6 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 9,837 applications, 6,705 loans originated, $2.38B originated, across 33 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 27 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows First United Bank and Trust Company’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare First United Bank and Trust Company with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about First United Bank and Trust Company
What are First United Bank and Trust Company's total assets?
As of the Q2 2026 filing, First United Bank and Trust Company reported total assets of $16.59 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First United Bank and Trust Company headquartered?
First United Bank and Trust Company is headquartered in Durant, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
Is First United Bank and Trust Company FDIC-insured?
Yes. First United Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #4239). 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?
First United Bank and Trust Company's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First United Bank and Trust Company's CET1 capital ratio?
First United Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 12.28% in its Q2 2026 call report, above regulatory requirements.
How many branches does First United Bank and Trust Company operate?
First United Bank and Trust Company operates 80 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's Texas Ratio?
First United Bank and Trust Company's Texas Ratio is 20.22% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on First United Bank and Trust Company.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock First United Bank and Trust Company, freeFree account