First United Bank&Trust Co (FDIC #4239): Bank Stress & Real-Estate Credit Exposure

First United Bank&Trust Co (FDIC Cert #4239): bank stress 73/100, elevated, STABLE over 7 days; parent SPEND LIFE WISELY CO INC.

First United Bank&Trust Co (#4239) lends in 29 counties across 2 states; First United Bank&Trust Co (#4239) reaches 629 ZIP codes: Texas 15 counties, 410 ZIPs; Oklahoma 14 counties, 219 ZIPs.

First United Bank&Trust Co (#4239) largest markets: Dallas County, TX (190 branches, 95 ZIPs) (#4239), Bexar County, TX (78 branches, 78 ZIPs) (#4239), Travis County, TX (189 branches, 63 ZIPs) (#4239), Oklahoma County, OK (220 branches, 55 ZIPs) (#4239), Tulsa County, OK (43 branches, 43 ZIPs) (#4239), Denton County, TX (200 branches, 40 ZIPs) (#4239).

First United Bank&Trust Co (#4239) reports $16.59 billion in total assets; First United Bank&Trust Co (#4239) equity $1.61 billion (9.7% of First United Bank&Trust Co (#4239) assets); First United Bank&Trust Co (#4239) domestic deposits $13.33 billion; First United Bank&Trust Co (#4239) net income $75.2 million; First United Bank&Trust Co (#4239) return on assets 0.92%; First United Bank&Trust Co (#4239) return on equity 9.48%; First United Bank&Trust Co (#4239) net interest income $270.3 million; First United Bank&Trust Co (#4239) call report June 30, 2026.

First United Bank&Trust Co (#4239) noncurrent real-estate loans 0.05% of its book; First United Bank&Trust Co (#4239) residential 0.07%; First United Bank&Trust Co (#4239) net charge-offs on real estate 1.84%; First United Bank&Trust Co (#4239) multifamily charge-offs 2.23%; First United Bank&Trust Co (#4239) residential charge-offs 1.63%.

First United Bank&Trust Co (#4239) net interest margin 3.62% against an eight-quarter First United Bank&Trust Co (#4239) average of 3.48% (First United Bank&Trust Co (#4239) compression -0.14 points); First United Bank&Trust Co (#4239) real-estate loans 4.7% of equity; First United Bank&Trust Co (#4239) non-residential real estate 163.4% of equity; First United Bank&Trust Co (#4239) rate-exposure score 40/100, First United Bank&Trust Co (#4239) fixed-rate trap 40/100; First United Bank&Trust Co (#4239) risk type credit driven; First United Bank&Trust Co (#4239) rate regime rates elevated, First United Bank&Trust Co (#4239) snapshot October 19, 2026.

First United Bank&Trust Co (#4239) stress score moved from 72.4 on June 22, 2026 to 73.2 on October 19, 2026; First United Bank&Trust Co (#4239) ranged 72.4 to 73.2 over 116 snapshots.

First United Bank&Trust Co (#4239) alerts: 27 counties; top First United Bank&Trust Co (#4239) alert scores: Tulsa County, OK 39 (moderate); Ada County, OK 23 (low); Austin County, OK 23 (low); Dallas County, OK 23 (low); Durant County, OK 23 (low).