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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 4239 · OK B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2691/4307
  • PHOTO-FINISH FCN Bank, National A… · IN
  • TIER1-WELL 12.2% Tier 1
  • TEXAS-CLEAN 11.7% Texas
  • ROA-PAR 0.97% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: FCN Bank, National Association, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First United Bank and Trust Company

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Commercial… · IL · …73/100Citizens Bank of Kan… · KS ·…73/100FCN Bank, National A… · IN ·…73/100First United Bank an… · OK ·…73/100FNNB Bank · IA · near73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First United Bank and Trust Company · July 2026

What First United Bank and Trust Company's Call Report plate shows

First United Bank and Trust Company (FDIC Cert #4239) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,691 of 4,307. Tier 1 capital prints at 12.24%, clearing the 10% well-capitalized line. The Texas Ratio is 11.70%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.97%. Balance-sheet scale is $16.3B, 118th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is FCN Bank, National Association (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First United Bank and Trust Company

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

First United Bank and Trust Company's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First United Bank and Trust Company remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

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.

0/100100/100National avg77/10073/100
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 Assets

$16.3B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.84% 12.24% 13.64%
Basel III capital ratios - First United Bank and Trust Company

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 38th percentile higher than 38% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First United Bank and Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for First United Bank and Trust Company

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

What these ratios mean →

Profitability metrics: First United Bank and Trust Company

Return on Assets (ROA)
41st percentile nationally
0.97%
Return on Equity (ROE)
10.87%
Efficiency Ratio
68.85%

What these mean →

Income & expense at First United Bank and Trust Company

$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.

FDIC Failed Bank List → View First United Bank and Trust Company on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to First United Bank and Trust Company nationally by total assets
  1. 1
    FirstBank $16.3B

    Nashville, TN · Grade B

  2. 2
    Banner Bank $16.3B

    Walla Walla, WA · Grade A

  3. 3
    Bank of Baroda $15.9B

    New York, NY · Grade F

  4. 4
    NBT Bank $15.9B

    Norwich, NY · Grade B

  5. 5
    Northwest Bank $16.8B

    Warren, PA · Grade B

  6. 6
    Citizens Business Bank $15.6B

    Ontario, CA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($16.3B here), outside Oklahoma so the neighborhood is not state containment.

FirstBank $16.3B · TN Banner Bank $16.3B · WA Bank of Baroda $15.9B · NY NBT Bank $15.9B · NY

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.

First United Bank and Trust Company Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
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%