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First United Bank and Trust Company
Durant, OK·FDIC Cert #4239·Charter: STATE·Est. 19000101.0·HC: SPEND LIFE WISELY CO INC
Total Assets
$16.3B
Q4 2025
Return on Assets
0.97%
+0.07%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
68.85%
Peer avg: 55.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.97%+0.07
ROE
10.87%+0.57
Efficiency
68.85%-0.84
Equity/Assets
0.00%+0.00
NPL Ratio
1.58%-0.09
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
95.12%-4.20
Charge-offs
0.15%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.6 | 0.7 | 0.8 | 0.8 | 0.9 | 0.9 | 1.0 |
| ROE | 6.8 | 7.1 | 8.1 | 9.3 | 9.4 | 9.7 | 10.3 | 10.9 |
| Efficiency | 75.9 | 75.8 | 73.3 | 69.6 | 69.3 | 69.9 | 69.7 | 68.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.6 | 1.5 | 1.8 | 1.5 | 1.4 | 2.0 | 1.7 | 1.6 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.2 | 0.1 | 0.1 |
| Loan/Deposit | 97.7 | 103.8 | 102.3 | 99.5 | 99.4 | 100.2 | 99.3 | 95.1 |
Balance Sheet
Total Assets$16.3B
Total Deposits$13.1B
Total Loans$12.5B
Total Equity$1.6B
Profitability
ROA0.97%
ROE10.87%
Efficiency Ratio68.85%
Net Income$159.2M
Risk & Asset Quality
NPL Ratio1.58%
Charge-off Rate0.15%
Loan/Deposit95.12%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans