1ST UNITED BANK
FARIBAULT, MINNESOTA · FDIC Cert #31249
Capital & Safety Analysis
According to FDIC financial data, 1ST UNITED BANK holds a Tier 1 capital ratio of 17.21%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning 1ST UNITED BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
1ST UNITED BANK shows strong financial health indicators. With $173M in assets and a Health Score of 94/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
1ST UNITED BANK has a Bank Health Score of A (94/100). It holds a Tier 1 capital ratio of 17.21%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
1ST UNITED BANK holds $173M in total assets and $149M in total deposits. It is located in FARIBAULT, MINNESOTA (FDIC Certificate #31249).
1ST UNITED BANK has a Tier 1 capital ratio of 17.21%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.27%, and the return on assets is 0.90%.
Yes. 1ST UNITED BANK is FDIC-insured (Certificate #31249). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.