First United Bank (FDIC #15472): Bank Stress & Real-Estate Credit Exposure
First United Bank (FDIC Cert #15472): bank stress 56/100, moderate, STABLE over 7 days; parent FIRST HOLDING PARK RIVER.
First United Bank (#15472) lends in 10 counties across 1 state; First United Bank (#15472) reaches 121 ZIP codes: North Dakota 10 counties, 121 ZIPs.
First United Bank (#15472) largest markets: Cass County, ND (30 branches, 30 ZIPs) (#15472), Benson County, ND (18 branches, 18 ZIPs) (#15472), Walsh County, ND (64 branches, 16 ZIPs) (#15472), Pembina County, ND (28 branches, 14 ZIPs) (#15472), Towner County, ND (52 branches, 13 ZIPs) (#15472), Steele County, ND (12 branches, 12 ZIPs) (#15472).
First United Bank (#15472) reports $810.8 million in total assets; First United Bank (#15472) equity $84.6 million (10.4% of First United Bank (#15472) assets); First United Bank (#15472) domestic deposits $702.1 million; First United Bank (#15472) net income $6.3 million; First United Bank (#15472) return on assets 1.66%; First United Bank (#15472) return on equity 16.04%; First United Bank (#15472) net interest income $14.0 million; First United Bank (#15472) call report June 30, 2026.
First United Bank (#15472) noncurrent real-estate loans: none reported; First United Bank (#15472) net charge-offs on real estate 0.02%.
First United Bank (#15472) net interest margin 4.00% against an eight-quarter First United Bank (#15472) average of 3.51% (First United Bank (#15472) compression -0.49 points); First United Bank (#15472) rate-exposure score 40/100, First United Bank (#15472) fixed-rate trap 40/100; First United Bank (#15472) risk type credit driven; First United Bank (#15472) rate regime rates elevated, First United Bank (#15472) snapshot October 20, 2026.
First United Bank (#15472) stress score moved from 61 on June 22, 2026 to 55.8 on October 20, 2026; First United Bank (#15472) ranged 55.8 to 61 over 117 snapshots.
First United Bank (#15472) alerts: 10 counties; top First United Bank (#15472) alert scores: Cooperstown County, ND 21 (low); Crystal County, ND 21 (low); Devils Lake County, ND 21 (low); Fargo County, ND 21 (low); Maddock County, ND 21 (low).