First United Bank
Total assets
$810.8M
▲ +13.8% YoY
Deposits
$702.1M
▲ +15.2% YoY
Loans
$575.1M
▲ +13.3% YoY
Offices
19
FIRST HOLDING PARK RIVER
ROA (annualized)
1.66%
peers 1.28%
ROE (annualized)
16.04%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | First United Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.8% | +4.9% | +8.9 pts |
| Deposit growth (YoY) | +15.2% | +4.3% | +10.9 pts |
| Loan growth (YoY) | +13.3% | +5.3% | +7.9 pts |
| ROA | 1.66% | 1.28% | +0.4 pts |
| ROE | 16.0% | 12.4% | +3.6 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
Profile
- Established
- 1886
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST HOLDING PARK RIVER
- Specialization
- Agricultural Specialization
- Address
- 503 Briggs Ave S, Park River, ND, 58270
- County
- Walsh
- Offices
- 19
- FDIC cert #
- 15472
- RSSD ID
- 1011955
- 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 | $810.8M | $702.1M | $575.1M | $84.6M | $6.3M | 1.66% | 4.00% | 0.09% |
| Q1 2026 | $739.6M | $639.8M | $515.1M | $76.2M | $2.5M | 1.35% | 3.74% | 0.11% |
| Q4 2025 | $723.7M | $620.7M | $525.1M | $75.1M | $9.7M | 1.34% | 3.56% | 0.11% |
| Q3 2025 | $719.0M | $600.1M | $512.9M | $73.4M | $7.4M | 1.36% | 3.51% | 0.34% |
| Q2 2025 | $712.5M | $609.3M | $507.8M | $69.0M | $4.5M | 1.25% | 3.43% | 0.06% |
| Q1 2025 | $734.1M | $642.8M | $500.6M | $67.7M | $2.1M | 1.15% | 3.29% | 0.06% |
| Q4 2024 | $735.6M | $620.1M | $518.2M | $65.4M | $8.2M | 1.15% | 3.29% | 0.10% |
| Q3 2024 | $735.7M | $606.3M | $511.1M | $67.4M | $5.8M | 1.09% | 3.28% | 0.06% |
Loan mix (Q2 2026): real estate $278.8M · commercial $59.6M · consumer $14.1M · securities $172.7M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | First United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 1.28% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 12.4% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.89% | 56th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 61.2% | 33th | |
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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