# FIRST UNITED BANK
DIMMITT, TX · FDIC certificate 12769 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.41B | |
| Deposits | $2.13B | |
| Loans and leases | $1.51B | |
| Total equity | $253.2M | |
| Loans / deposits | 69.82% (p16 of band) | 87.10% |
| Liquid assets / assets | 33.78% (p82 of band) | |
| Uninsured deposits / deposits | 50.23% (p91 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.17% (p63 of band) | 10.50% |
| Unrealized securities loss / equity | -20.91% (p18 of band) | -7.75% |
| AOCI / equity | -0.19% (p58 of band) | |
| ROA (annualized) | 2.03% (p89 of band) | 1.26% |
| Net interest margin | 4.02% (p70 of band) | 3.70% |
| Efficiency ratio | 50.50% (p25 of band) | |
| Noncurrent loans | 0.41% (p41 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p65 of band) | |
| Reserve coverage of noncurrent | 329.39% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 76.00% (p75 of band) | |
| Auto loans | $3.5M (0.23% of loans; DQ 0.43%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 293 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 4 | uninsured deposits >50% |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 4 |  | construction >100% equity |
| 2024-12 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | capital falling |  |
| 2025-09 | 1 |  | securities losses >30% of equity, capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-31 [Southeastern, First United Bank launch FUSE program to connect students with careers - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTE51c19kcUFWX1lpWUttcV9tOG81Y0w5WVp0WV93dVBZdmZ1UXNuaHlWbi1QNS1WcmR0TVJTTEZJVHZFbU9aWldqa3dlNDZBQTQ5TTY1VWQ5NXh0Qms3bVRhNFJJYTlGNEZjN05tMkZ3?oc=5) · North Texas e-News
- 2026-07-04 [First United Bank celebrates 6 years of United Acts of Kindness Day with a goal of 1M acts in 2026 - Community Impact](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOdUw2LUxabDhKOGMzX3VjNTRWbjd1b2IwQkI5dFUxTFdMZ3pSVVZFaDd0UWNwUDdZSTY0R3JPSlI3ZzVoOS0tc29SU193Z3hGNjMtMnJlTkZFMHFydGRGQ0ktQjBEZEZDVFV3S1ZPQUNHSGZIeWx5UUs1UUp2TXU2RjJ1S2NZc2VNWUtzWjM5ZEhQWkFYbTZPUEF5Y0pnR0ExOHpyTGJoQ0s5V1BoTTJjSlVrV0VEa1lOeUducjY3eWJhMHlrd3loQk1sc1gzQVhhNGhR?oc=5) · Community Impact
- 2026-02-12 [First United Bank invites Austin to spread joy on annual United Acts of Kindness Day - KEYE](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNMVh0MlVGQm1iYlJMZ0xkT1JKLThiYVViWkM0RUhOUjdfakRtN1QxRms4b0w4ek9DbnhoVWNXNU43XzVKMV84V2JjTFV0NV9ONmRyYWRta3N2dTR6RjRpelMxb21hWS1MQkZHdDRoNTlQLXlYZW05WU0xQWM1OWoxOHhRNnZFa2pjMFJ6VG9hV2Y0WjdmNkpueUpNSTZTR1EyMUM1cEw4TXhnbkhqajUyRUxwNVFOM25RU3R1V3RJQmdTbnpmZW1xSw?oc=5) · KEYE
- 2026-05-26 [Lady Buffs basketball to host summer camps at First United Bank Center - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPVWpwcmdQeDFIRnFrdTY1aXd5TmlqQXNFdERkSXdZcGltdkdqaGtBdjZpbHZud2tLVmZPSXVEbldLaXNCX25sVGdGS05XX0llZTNwam8xcEw2eHJZM3otTlpPT2F6ZmlKbjZ6QUFDS1kxVm5hdFIwVERDckdXdFV4b01oQjMwUjZVdE1WQmNnS2w1R0pNYTdELWRlYkhyaW5BMkVvNkZrazlkZ9IBvgFBVV95cUxQZjNCREVfUHR4ZVlueWpVRU1pX0xzaTVKMjNtTTBvbjNqajl6dE5LRUhPUUNLcm5LU096aDU4WG9zTmNQdTJDWS0xZURhOG90SGd0elI4b0REdHBlUDNSeVZNZ3ZiQWFYeE1JVFg2T01ZQ3NPZVI5SFg4SzBpMU9oUllUN2d6RnZWc1dCVWhyX0p5ckhUNHlRRDVzeER1UURYNk1BQkFHSV80THRmZUdkSDRENVQ2dko1blc2YXN3?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2026-02-11 [#8 Lady Buffs Welcome UT Dallas to the First United Bank Center - West Texas A&M University Athletics](https://news.google.com/rss/articles/CBMivwFBVV95cUxOWFk0blp5LWl3ZWVrOWxoRzBObXcxOW9sQlc1WDVEQ0R4UEFPNUlTUDExWi1DanhOeFU2Mkx3MGxWbDBRVkgyRG52NnBQRi1JWEg4RW9rMVNLeWN4eUZHTm9Ka3dqZHdVWUZTekFGbWo4cGk0dlNfRnA3cFZfcktBWEI1MExlREFhT0VKOG9leF9Hc0dITm14WDZvWjZ1MkRxTDFsWmFiNE5xSzZ5NU1wY2FXLVZ1RkJzN3NUNGh1cw?oc=5) · West Texas A&M University Athletics
- 2026-02-11 [Durant bank celebrates United Acts of Kindness Day - kten.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxNdG9mRkJoU3UyUU5VaWlHeW5jbFVxYnJGMXZMZnRmamd2c3NudGtIUU5VNUJ5UGQyUXpOVlBnbjF5QkNwcGFzYWRpUmtHZTY2cjFsVS0yVkxraVRiUy1fWEhWREM0bmlTcENEQ0FaUWVxVDltSk5XSUd2QWVDM1BERnBNT1hHQzRiclFYLW1HNm40eHFxUFlqUms1OG1SNnk0TUdyeENNRDc5T1FISnEzUl80NURNQV9maDBIVllpMHlPN2FU?oc=5) · kten.com
- 2025-11-24 [Executive Insights: Jordan Lemming, Vice President and Spend Life Wisely Ambassador at First United Bank (video) - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNaC1fZC1nMW9kSmxSUnloYzQ0MTNNR2ZDVjUxVEtBTWRWNFlHM0VIUk1WRmZTQnZaTER1ZC1OZ21ETTNCdUQ0NnQ2TXFBd3JwcGVEQm1OWUdXZkV5RjlGcF9XdDVmUm11ajliMXdaRjNmV3FlMzRINGwxRWJHWV82TU5YSURmS2VlVWZJbGFnVmZUdjNSRWdV?oc=5) · The Business Journals
- 2026-05-11 [WT Spring Graduation takes place on Friday, Saturday - Plainview Herald](https://news.google.com/rss/articles/CBMinwFBVV95cUxOQTh6bG9fbHhkRkdIMlV6U0QtT25Bd2ZKWnE4bXlNMjdNY2VaTjM5QkM5dFFrdWhuel9pY09LUDVpZDlyN3pqUXBoTnRpSXpfOHFOYk1ZNkVwdHVRZ3pCVl9xRlY3RDZKQ0R5VUtMMmdKZFM1bWUzdlVUOHFJcUR1dmVJNmczSUFYaGRTMUtRR1Q5ZVVFS3lFcEtaNG9uamc?oc=5) · Plainview Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12769 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/33.json (key "12769", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide