First United Bank
Total assets
$2.41B
▲ +1.9% YoY
Deposits
$2.13B
▲ +0.9% YoY
Loans
$1.49B
▲ +2.8% YoY
Offices
25
PLAINS BCORP INC
ROA (annualized)
2.03%
peers 1.26%
ROE (annualized)
19.85%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | First United Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +5.5% | -3.6 pts |
| Deposit growth (YoY) | +0.9% | +5.1% | -4.2 pts |
| Loan growth (YoY) | +2.8% | +5.9% | -3.1 pts |
| ROA | 2.03% | 1.26% | +0.8 pts |
| ROE | 19.9% | 12.2% | +7.7 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
Profile
- Established
- 1907
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PLAINS BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 201 N Broadway St, Dimmitt, TX, 79027
- County
- Castro
- Offices
- 25
- FDIC cert #
- 12769
- RSSD ID
- 578255
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.41B | $2.13B | $1.49B | $253.2M | $24.7M | 2.03% | 4.02% | 0.32% |
| Q1 2026 | $2.45B | $2.18B | $1.47B | $246.3M | $12.1M | 1.97% | 3.93% | 0.50% |
| Q4 2025 | $2.45B | $2.18B | $1.48B | $246.3M | $41.4M | 1.76% | 3.88% | 1.31% |
| Q3 2025 | $2.40B | $2.12B | $1.48B | $229.7M | $29.8M | 1.71% | 3.83% | 1.41% |
| Q2 2025 | $2.36B | $2.12B | $1.45B | $217.0M | $18.4M | 1.60% | 3.74% | 1.46% |
| Q1 2025 | $2.40B | $2.17B | $1.45B | $210.4M | $8.4M | 1.47% | 3.55% | 1.28% |
| Q4 2024 | $2.13B | $1.80B | $1.37B | $199.8M | $31.9M | 1.48% | 3.31% | 1.47% |
| Q3 2024 | $2.16B | $1.76B | $1.36B | $202.8M | $24.7M | 1.52% | 3.25% | 1.26% |
Loan mix (Q2 2026): real estate $1.11B · commercial $197.1M · consumer $5.0M · securities $760.5M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | First United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.03% | 1.26% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 19.9% | 12.2% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.70% | 69th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.5% | 59.0% | 24th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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