Total Assets
$16.3B
Total balance-sheet footings
FDIC Cert #4239 · Durant, Oklahoma · Est. 1900
First United Bank and Trust Company - FDIC Bank Health Profile
A community-scale look at First United Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $16.3B
- Total assets
- B
- Health grade · Good
- 0.97%
- Return on assets
- 12.2%
- Tier 1 capital
Data updated July 2026
The verdict
First United Bank and Trust Company earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.24% Tier 1, 0.97% ROA, 69% efficiency ratio.
- #118
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 12.24%
- Tier 1 ratio - above the 10% well-capitalized line
- 41st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First United Bank and Trust Company's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First United Bank and Trust Company's composite health score
Tier 1 Capital Ratio (12.24%) 35/40
Return on Assets (ROA) (0.97%) 14/25
Texas Ratio (11.70%) 16/20
Efficiency Ratio (68.85%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$13.1B
Customer-funded liabilities
Net Loans
$12.5B
Outstanding loan book
Net Income
$159M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First United Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First United Bank and Trust Company's score of 73/100 falls in the highlighted band.
First United Bank and Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First United Bank and Trust Company's $16.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.24% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.24%
Texas Ratio
11.70%
Equity Capital
$1.6B
Profitability metrics
Return on Assets (ROA)
41st percentile nationally
0.97%
Return on Equity (ROE)
10.87%
Efficiency Ratio
68.85%
What the numbers say about First United Bank and Trust Company
First United Bank and Trust Company is an FDIC-insured institution (Certificate #4239) headquartered in Durant, Oklahoma, established in 1900. It holds $16.3B in total assets - 118th of 4,313 FDIC-insured banks, $13.1B in customer deposits, and $12.5B in net loans. Its capital position: a Tier 1 ratio of 12.24%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 11.70% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, First United Bank and Trust Company sits in the top decile of all FDIC-insured institutions by asset size (118th of 4,313), and within Oklahoma it ranks 3rd of 172 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is BancFirst, at $12.1B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$921M
Interest Income
$134M
Non-Interest Income
$467M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First United Bank and Trust Company reports a Texas Ratio of 11.70% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.70% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
National size peers: banks closest to First United Bank and Trust Company by assets
Measured strictly by total assets rather than geography, First United Bank and Trust Company's closest national peers include FirstBank, Banner Bank, Bank of Baroda, NBT Bank, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Oklahoma. Averaged across this asset-matched cohort, return on assets runs 0.92% (First United Bank and Trust Company is above that at 0.97%), the efficiency ratio averages 47.61% (First United Bank and Trust Company runs higher at 68.85%), and Tier 1 capital averages 10.82% (First United Bank and Trust Company holds more at 12.24%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $16.3B in assets, First United Bank and Trust Company has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| First United Bank and Trust Company (this bank) | OK | $16.3B | 0.97% | 68.85% | 12.24% |
| FirstBank | TN | $16.3B | 0.89% | 59.00% | 11.69% |
| Banner Bank | WA | $16.3B | 1.24% | 60.12% | 12.89% |
| Bank of Baroda | NY | $15.9B | 0.00% | 0.00% | 0.00% |
| NBT Bank, National Association | NY | $15.9B | 1.06% | 60.43% | 11.92% |
| Northwest Bank | PA | $16.8B | 0.92% | 63.71% | 12.75% |
| Citizens Business Bank, National Association | CA | $15.6B | 1.39% | 42.42% | 15.66% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First United Bank and Trust Company (FDIC Cert #4239) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
| Armstrong BankMuskogee | $2.7B | A | 1.25% |
Frequently asked questions
What is First United Bank and Trust Company's health grade?▼
First United Bank and Trust Company receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First United Bank and Trust Company?▼
First United Bank and Trust Company holds $16.3B in total assets and $13.1B in deposits, ranking 118th of 4,313 FDIC-insured banks by asset size. It is headquartered in Durant, Oklahoma.
Is my money safe at First United Bank and Trust Company?▼
Yes, deposits at First United Bank and Trust Company (Certificate #4239) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First United Bank and Trust Company's Tier 1 Capital Ratio?▼
First United Bank and Trust Company has a Tier 1 Capital Ratio of 12.24%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First United Bank and Trust Company?▼
First United Bank and Trust Company has a Texas Ratio of 11.70%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First United Bank and Trust Company?▼
First United Bank and Trust Company has an Efficiency Ratio of 68.85%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First United Bank and Trust Company's profile as a depositor or analyst.
- First United Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First United Bank and Trust Company against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.