# FIRST UNITED BANK
PARK RIVER, ND · FDIC certificate 15472 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $810.8M | |
| Deposits | $702.1M | |
| Loans and leases | $582.7M | |
| Total equity | $84.6M | |
| Loans / deposits | 81.91% (p50 of band) | 82.04% |
| Liquid assets / assets | 23.40% (p45 of band) | |
| Uninsured deposits / deposits | 21.63% (p35 of band) | 25.97% |
| Brokered deposits | 1.23% | |
| Wholesale funding | 3.59% (p51 of band) | |
| FHLB advances / assets | 2.36% | |
| Tier 1 leverage | 10.13% (p38 of band) | 10.81% |
| Unrealized securities loss / equity | -10.40% (p42 of band) | -8.10% |
| AOCI / equity | 0.81% (p94 of band) | |
| ROA (annualized) | 1.66% (p73 of band) | 1.28% |
| Net interest margin | 4.00% (p55 of band) | 3.91% |
| Efficiency ratio | 55.56% (p32 of band) | |
| Noncurrent loans | 0.01% (p11 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p48 of band) | |
| Reserve coverage of noncurrent | 13994.44% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 18.33% (p23 of band) | |
| Auto loans | $6.8M (1.16% of loans; DQ 0.25%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 15.2% | |
| Employees | 96 | |

## Flags firing in the latest filing

- none

## 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 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | uninsured deposits leaving |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | wholesale funding >15% |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | wholesale funding >15% |
| 2015-06 | 1 | wholesale funding >15% |  |
| 2015-09 | 2 | brokered >10% |  |
| 2015-12 | 1 |  | brokered >10% |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | brokered >10% |  |
| 2016-12 | 0 |  | wholesale funding >15%, brokered >10% |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | wholesale funding >15% |  |
| 2018-12 | 1 | capital falling | wholesale funding >15% |
| 2019-03 | 1 | uninsured deposits leaving | capital falling |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | deposits shrinking |  |
| 2023-12 | 0 |  | securities losses >30% of equity, deposits shrinking |
| 2024-03 | 1 | uninsured deposits leaving |  |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 1 | wholesale funding >15% |  |
| 2024-12 | 1 | capital falling | wholesale funding >15% |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-14 [Southeastern, First United Bank launch student career program - KXII](https://news.google.com/rss/articles/CBMimAFBVV95cUxPSnBiYnY5cUc3Q2RpRUhpM29vbS00WmZ6Qkl2V0tnb0xzWC1LckxDVjhyWFkxMmdEcEdVMXo0d3FJcXdNV1F4QUVuRUFGVDlDRmVLelhncTNtZUwtdXA1RUpiQ3BCdlY3dURPOGM1ak1yY3l5SV9vRTFBOHBiTXRCOFdqR2l6UVBfeU5CQU12aEwteGp5Rkd4WtIBrAFBVV95cUxNVW9RVnBENWdwNW5XN1R6TUxmUnBCcjAtLTVmeVZRN2xfSUs4Qkd3anYxNXRVbkxTZ2JBN01SOVNqZkxmcTVScXBMV1NpbDRCN05OQ3hFa3FISUcySnRSRFRYUlJheUdLNGc5eWs5NHZJRWprUGRFcnVmZWV3ZXFTUFI5RHhPNDRWNlIyR1ZwNTItQTRRMzlFSHdlUmY1SW1IVVQzLU15M1ZkUHJv?oc=5) · KXII
- 2026-09-03 [First United Bank - The Newcastle Pacer](https://news.google.com/rss/articles/CBMibkFVX3lxTE1TLXVGSHRfY3BMVlF6bnJ3X2tCYThjdGtzSTdQYUxKNHdJSGY2MXVwLXIwcy1NVWZTT0FvVjVzOVhhZW1IeUZUMGFfUlUtSlhFM1R3eHVGMlE4cmhJTGsyMmYtcy0yLVVJbDRISlZR?oc=5) · The Newcastle Pacer
- 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
- 2026-04-22 [Southeastern and First United Bank recognize exemplary high school students at 2026 Tri-County Honors program - Southeastern Oklahoma State University](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQbDNVanRxa3NWbk5MLUxJX3RDTjdCeEdSQmJRXzc3bElZTmxEX0dtbVpZUmhZMXhzNDRiLVgteXJzcmNUVHVzVThYNC1hZzM1X2Ruay1nWEhNSWJZZGNoZ08teDZHb2Y0blJUb2E5TUNsR2FDczB2RHB5Q3hIYUdIM3BDVXNsRlppUUx0UlZ6WHlVYkxleHROUzAzbWZxZWViYnV2THJ3bVBscUJXNkdGSmFiTXJjRUZtTEhCZFVNd2Q5VmVNRVA2TU9nZWQxS2RfM0o4?oc=5) · Southeastern Oklahoma State University
- 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 - cbsaustin.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNMVh0MlVGQm1iYlJMZ0xkT1JKLThiYVViWkM0RUhOUjdfakRtN1QxRms4b0w4ek9DbnhoVWNXNU43XzVKMV84V2JjTFV0NV9ONmRyYWRta3N2dTR6RjRpelMxb21hWS1MQkZHdDRoNTlQLXlYZW05WU0xQWM1OWoxOHhRNnZFa2pjMFJ6VG9hV2Y0WjdmNkpueUpNSTZTR1EyMUM1cEw4TXhnbkhqajUyRUxwNVFOM25RU3R1V3RJQmdTbnpmZW1xSw?oc=5) · cbsaustin.com
- 2026-08-05 [First United Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE1uamVnd0tFeTlQV1o4SkxILWNpNU4xSUtMNXd4SFZrdndNUmxKYzZ3WmJibjl3Z09IaUdPQ1hQUGs1TlBTaXVKa0dqTUN4Y3BleW5TVjM3YjAtMUhJYWJLeE1pZ1lhUTNsNlozU0NkOTRRYWc?oc=5) · reveliolabs.com
- 2026-08-28 [Todd Schneider, Professionally Recognized at First United Mortgage Group - San Antonio Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxQMWdwSzQtWlVoUEo1NDZnV28xX2dSa1hfYU9OTnhkZi1feWFiWkp6dEx0Z0JERHdVcHN3Zk5nNmFmLXlfLUFDcndibWhnTmhfN3QwTV85QkhzQm1XQnNnZFhwc1NEanl4ZkQ1Z0RSb0hjdUtjX1p1YV9xeUxOc0M5NHcxY1lwcW9nWXU2TGF6UjQ0XzVu?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15472 (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/48.json (key "15472", 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