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First United National Bank
Fryburg, PA · FDIC Certificate #7886 · Chartered 08/0
Total assets
$385.83M
Total deposits
$362.58M
Total equity
$21.83M
Net loans
$204.62M
Branches (offices)
7
Net income (YTD)
$1.22M
Rank: #2,115 of 4,213 U.S. banks by assets · #78 of 109 in Pennsylvania. Assets changed 7.9% and deposits 6.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.65% |
| Return on equity | 11.34% |
| Net interest margin (YTD) | 3.05% |
| Equity to assets | 5.66% |
| Tier 1 leverage ratio | 8.16% |
| Uninsured deposits (share of deposits) | 16.9% |
| Noncurrent loans (share of loans) | 0.91% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 56.4% |
| Real estate loans (share of loans) | 82.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $168.91M | 82.5% | |
| Commercial & industrial | $13.79M | 6.7% | |
| Consumer / individual | $21.38M | 10.5% | |
| Construction & development | $3.59M | 1.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $355.94M | $344.92M | $1.19M | $10.13M |
| Jun 2023 | $361.52M | $339.18M | $847.00K | $11.15M |
| Jun 2024 | $346.00M | $331.38M | $212.00K | $13.38M |
| Jun 2025 | $357.43M | $339.21M | $676.00K | $16.88M |
| Jun 2026 | $385.83M | $362.58M | $1.22M | $21.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $362.58M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $362.58M.
Similar-sized banks
Security Federal Savings Bank Of Mcminnville ($385.97M) · Yoakum Bank ($385.82M)
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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