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First United Bank And Trust Company
Durant, OK · FDIC Certificate #4239 · Chartered 01/0
Total assets
$16.59B
Total deposits
$13.33B
Total equity
$1.62B
Net loans
$12.67B
Branches (offices)
74
Net income (YTD)
$75.23M
Rank: #119 of 4,213 U.S. banks by assets · #3 of 168 in Oklahoma. Assets changed 1.0% and deposits 5.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.92% |
| Return on equity | 9.48% |
| Net interest margin (YTD) | 3.62% |
| Equity to assets | 9.75% |
| Tier 1 leverage ratio | 9.80% |
| Uninsured deposits (share of deposits) | 36.5% |
| Noncurrent loans (share of loans) | 1.69% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 95.0% |
| Real estate loans (share of loans) | 89.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $11.28B | 89.0% | |
| Commercial & industrial | $1.16B | 9.1% | |
| Consumer / individual | $176.50M | 1.4% | |
| Construction & development | $1.56B | 12.3% | |
| Agricultural | $63.36M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $13.95B | $11.22B | $83.23M | $1.20B |
| Jun 2023 | $15.64B | $12.59B | $47.19M | $1.35B |
| Jun 2024 | $16.43B | $12.13B | $48.51M | $1.39B |
| Jun 2025 | $16.44B | $12.62B | $69.55M | $1.43B |
| Jun 2026 | $16.59B | $13.33B | $75.23M | $1.62B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $6.84B | 35 |
| Texas | $6.48B | 39 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $13.33B.
Similar-sized banks
Firstbank ($16.76B) · Banner Bank ($16.59B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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