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BDI
FU

First United Bank and Trust Company

Durant, OklahomaFDIC Cert #4239

STATEEstablished 190085 branches

Holding company: SPEND LIFE WISELY CO INCRegulator: FED

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
0.88%
+6.6%y/y
Peer standing22nd percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNETINC + ROA
ROE
9.13%
−2.7%y/y
Peer standing39th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNETINC + ROE
Pretax ROA
1.15%
+12.5%y/y
Peer standing20th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICPTAXNETINC + ASSET
NIM
3.58%
+3.0%y/y
Peer standing51st percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNIM + NIMY
Earning yield
5.85%
−4.0%y/y
Peer standing84th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICINTINCY
IB deposit cost
3.29%
−17.6%y/y
Peer standing20th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
70.23%
+1.4%y/y
Peer standing11th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
2.99%
+7.5%y/y
Peer standing12th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNONIX + ASSET
Fee share
21.83%
+14.5%y/y
Percentile by value72nd percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNONII + NIM
Assets YoY
+0.71%
+272.4%y/y
Percentile by value18th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICASSET
Deposits YoY
+5.36%
+421.7%y/y
Percentile by value52nd percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICDEP
Loans YoY
+0.05%
−57.1%y/y
Percentile by value10th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
22nd percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.71%Median 1.19%90th 1.80%Observations 110
ROE
FDICNETINC + ROE
38th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 5.78%Median 10.10%90th 17.47%Observations 110
NIM
FDICNIM + NIMY
51st percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.62%Median 3.55%90th 4.39%Observations 110
Efficiency
FDICNONIX + NIM + NONII + EEFFR
11th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 36.24%Median 54.92%90th 71.99%Observations 110
Deposits YoY
FDICDEP
52nd percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −1.68%Median +4.64%90th +30.48%Observations 110
Loans YoY
FDICLNLSNET
10th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −0.21%Median +6.49%90th +34.73%Observations 109
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
90th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.20%Median 0.71%90th 1.50%Observations 109
Leverage
FDICRBC1AAJ
41st percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.29%Median 10.30%90th 12.41%Observations 110

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
20th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.79%Median 2.60%90th 3.62%Observations 110
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
79th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 54%Median 213%90th 309%Observations 110

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.