First United Bank (FDIC #12769): Bank Stress & Real-Estate Credit Exposure
First United Bank (FDIC Cert #12769): bank stress 48/100, moderate, STABLE over 7 days; parent PLAINS BCORP INC.
First United Bank (#12769) lends in 12 counties across 1 state; First United Bank (#12769) reaches 107 ZIP codes: Texas 12 counties, 107 ZIPs.
First United Bank (#12769) largest markets: Lubbock County, TX (104 branches, 26 ZIPs) (#12769), Randall County, TX (45 branches, 15 ZIPs) (#12769), Lamb County, TX (42 branches, 14 ZIPs) (#12769), Haskell County, TX (11 branches, 11 ZIPs) (#12769), Wichita County, TX (11 branches, 11 ZIPs) (#12769), Hale County, TX (40 branches, 10 ZIPs) (#12769).
First United Bank (#12769) reports $2.41 billion in total assets; First United Bank (#12769) equity $253.2 million (10.5% of First United Bank (#12769) assets); First United Bank (#12769) domestic deposits $2.13 billion; First United Bank (#12769) net income $24.7 million; First United Bank (#12769) return on assets 2.03%; First United Bank (#12769) return on equity 19.85%; First United Bank (#12769) net interest income $45.9 million; First United Bank (#12769) call report June 30, 2026.
First United Bank (#12769) noncurrent real-estate loans 0.09% of its book; First United Bank (#12769) residential 0.19%; First United Bank (#12769) net charge-offs on real estate 0.39%; First United Bank (#12769) residential charge-offs 0.49%.
First United Bank (#12769) net interest margin 4.02% against an eight-quarter First United Bank (#12769) average of 3.69% (First United Bank (#12769) compression -0.33 points); First United Bank (#12769) real-estate loans 8.7% of equity; First United Bank (#12769) non-residential real estate 48.8% of equity; First United Bank (#12769) rate-exposure score 40/100, First United Bank (#12769) fixed-rate trap 40/100; First United Bank (#12769) risk type credit driven; First United Bank (#12769) rate regime rates elevated, First United Bank (#12769) snapshot October 19, 2026.
First United Bank (#12769) stress score moved from 49.7 on June 22, 2026 to 48.3 on October 19, 2026; First United Bank (#12769) ranged 48.3 to 49.7 over 116 snapshots.
First United Bank (#12769) alerts: 12 counties; top First United Bank (#12769) alert scores: Haskell County, TX 31 (low); Childress County, TX 28 (low); Lubbock County, TX 23 (low); Canyon County, TX 17 (low); Dimmitt County, TX 17 (low).