Is First United Bank Safe?
First United Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (67/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.50% | 100/100 |
| Nonperforming Loan Ratio | 1.66% | 67/100 |
| Liquidity Ratio | 32.30% | 100/100 |
| Return on Assets | 1.48% | 79/100 |
| Total Assets | $2.2B | |
How does First United Bank compare?
With a Bank Health Score of 88/100, First United Bank sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, First United Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 15.50% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.66% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, First United Bank's Bank Health Score fell by 8.0 points to 88/100. Tier 1 capital strengthened by 0.79 percentage points to 15.50%.
First United Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (67/100).