First United Bank&Trust Co (FDIC #34150): Bank Stress & Real-Estate Credit Exposure
First United Bank&Trust Co (FDIC Cert #34150): bank stress 72/100, elevated, STABLE over 7 days; parent FIRST UNITED BCORP INC.
First United Bank&Trust Co (#34150) lends in 4 counties across 1 state; First United Bank&Trust Co (#34150) reaches 42 ZIP codes: Kentucky 4 counties, 42 ZIPs.
First United Bank&Trust Co (#34150) largest markets: Ohio County, KY (17 branches, 17 ZIPs) (#34150), Hopkins County, KY (39 branches, 13 ZIPs) (#34150), Daviess County, KY (20 branches, 10 ZIPs) (#34150), Crittenden County, KY (6 branches, 6 ZIPs) (#34150).
First United Bank&Trust Co (#34150) reports $591.4 million in total assets; First United Bank&Trust Co (#34150) equity $36.1 million (6.1% of First United Bank&Trust Co (#34150) assets); First United Bank&Trust Co (#34150) domestic deposits $525.0 million; First United Bank&Trust Co (#34150) net income $4.3 million; First United Bank&Trust Co (#34150) return on assets 1.45%; First United Bank&Trust Co (#34150) return on equity 24.62%; First United Bank&Trust Co (#34150) net interest income $11.1 million; First United Bank&Trust Co (#34150) call report June 30, 2026.
First United Bank&Trust Co (#34150) noncurrent real-estate loans: none reported; First United Bank&Trust Co (#34150) net charge-offs on real estate 0.31%.
First United Bank&Trust Co (#34150) net interest margin 3.94% against an eight-quarter First United Bank&Trust Co (#34150) average of 3.50% (First United Bank&Trust Co (#34150) compression -0.43 points); First United Bank&Trust Co (#34150) rate-exposure score 40/100, First United Bank&Trust Co (#34150) fixed-rate trap 40/100; First United Bank&Trust Co (#34150) risk type credit driven; First United Bank&Trust Co (#34150) rate regime rates elevated, First United Bank&Trust Co (#34150) snapshot October 19, 2026.
First United Bank&Trust Co (#34150) stress score moved from 72.8 on June 22, 2026 to 72.2 on October 20, 2026; First United Bank&Trust Co (#34150) ranged 72.2 to 72.8 over 117 snapshots.
First United Bank&Trust Co (#34150) alerts: 4 counties; top First United Bank&Trust Co (#34150) alert scores: Marion County, KY 49 (moderate); Beaver Dam County, KY 26 (low); Madisonville County, KY 26 (low); Owensboro County, KY 26 (low).