# FIRST UNITED NATIONAL BANK
FRYBURG, PA · FDIC certificate 7886 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $385.8M | |
| Deposits | $362.6M | |
| Loans and leases | $205.7M | |
| Total equity | $21.8M | |
| Loans / deposits | 56.43% (p10 of band) | 82.04% |
| Liquid assets / assets | 42.65% (p86 of band) | |
| Uninsured deposits / deposits | 16.93% (p18 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.16% (p3 of band) | 10.81% |
| Unrealized securities loss / equity | -62.71% (p2 of band) | -8.10% |
| AOCI / equity | -0.91% (p25 of band) | |
| ROA (annualized) | 0.65% (p16 of band) | 1.28% |
| Net interest margin | 3.05% (p11 of band) | 3.91% |
| Efficiency ratio | 76.78% (p85 of band) | |
| Noncurrent loans | 0.91% (p70 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p72 of band) | |
| Reserve coverage of noncurrent | 57.58% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 16.44% (p21 of band) | |
| Auto loans | $11.1M (5.38% of loans; DQ 2.80%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | expense ratio p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | capital falling, expense ratio p90 |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | reserve under noncurrent | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 6 | AOCI drag >20% of equity, NIM <2.5%, deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 4 |  | AOCI drag >20% of equity, deposits shrinking |
| 2024-03 | 6 | losing money, expense ratio p90 |  |
| 2024-06 | 5 |  | losing money |
| 2024-09 | 4 |  | uninsured deposits leaving |
| 2024-12 | 5 | capital falling |  |
| 2025-03 | 3 |  | NIM <2.5%, expense ratio p90 |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-09-03 [‘Cars and Coffee’ Returns to Fryburg on Saturday, September 5 - exploreJefferson](https://news.google.com/rss/articles/CBMivwFBVV95cUxNT0hQQmd4b1NQbXhjZjhnOEI0SWZwdV9GeFJ5ZllVZTF0Z3h5TVN1cEtMWVhfX1hxVzRLMGMxSS1pZWNRNlJzaXFUelZ4a0t2ZGM4UjRFQjFSQVVsdjZWeHRRN1hpOFc4MlBvWFdsbjlOUHJhZVExazlBRUJZWGRoQmZwOGU3dV9MbjNKazE5ZExGSjUxVFlsYlF4RUVXM2JjU2NPdFVxaS1hcGxVeDNGbU55cHBGU0VHUU5yTXZRSQ?oc=5) · exploreJefferson
- 2026-05-08 [Fryburg ‘Cars and Coffee’ Postponed: Rain Washout Shifts Opener to June 6 - exploreJefferson](https://news.google.com/rss/articles/CBMizwFBVV95cUxQeTJVS2pkaEVXTFNzRmgyVWNQaS1LVmFRdEtTQTJKdzBHNlh0cTFaMnkwVWNWdk12NEo3UHZGdkRKVzBuOUc3Yy1GOUZRN2tqeUdEQ3gwNHBMWDdOclJTbE03MktWZnZxeC00d2ZYamZheTdrMDE1dEp5NGdXcWt1NDhOa3d2aHJ2a1FPamZtZUs1QWREeWlqMEpIVlJ5NWxudjJfME9LN1lyZUpPeFpoalNubHNSbTNtU3VCUUNDX0tpWndpWjZ3OXExM3h5VUk?oc=5) · exploreJefferson
- 2026-04-19 [‘Cars and Coffee’: Connect with Car Lovers in Fryburg on May 9 - exploreJefferson](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQRldpVmF0Q3g1T2dOTEZ5TEVveWF2eFpIUjh2V3VJa3gxLTRNZnhSQjBtNGpscG5CUW53c3UzcHJoM09GYUtBeFBKaDhqckRGVnp1eWxPSEg1d21VTHRWOUhfVjN0ejN4VnVGeFJ2Qnc1TENnaTVzZmVzXzZRd2hic3JGYTdIcEdFRjUyQ1hpU3VpQVdBaGQ4UFpsZVVKRW12UU84VjV5R3dKYzRLcjRiWXhhcnlYdGVoVFYxbHJtdEI?oc=5) · exploreJefferson
- 2012-01-26 [Western District of Pennsylvania - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMiigFBVV95cUxNMm92eG13djhCX0pYNkx4U0ZKcUtoNjhkeVMtMVNqaGRQZTUwcG1pV19EeEg0dlhVdWktVlB1d1RfajVmWHllLUVuaHBiNVFaSDRKRTNadEYzZE5IM3o0clJQTDl6OExYckVzTzRPdW0tOXdsU3JlaDRhQ0YtLTFpVDlnbVNYbEp1U1E?oc=5) · Department of Justice (.gov)
- 2011-08-16 [Erie Man Admits Robbing 5 Banks In Pennsylvania And Ohio - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQd1QtM04tbGR3N1JUWXRQcGZ1NkJWazBYcnlTN1p2QzV0bUJRNDFweXRpcEZLMDNxekJhMmR4OEE2MmRXNlRVeGdyWUhIeGhlSEdIY2R1bGlNX2FUdmxwUDFvbXpoX1AxM0YwR3hpWGVjMlZLMEZrUmhQY3NuVDZwMXQzZkMtdm1S?oc=5) · Department of Justice (.gov)
- 2025-02-25 [Explore to Broadcast Brookville Boys Basketbal Championship Showdown vs. Cranberry Tonight on FUN Bank Hoops - exploreJefferson](https://news.google.com/rss/articles/CBMigAJBVV95cUxOZmN6RTdDc0ZXc3Y4cWNuYjFTOUhncl9tcElkMWloclZKbzhLRFZ4UFhtdk9CQm1qOVktcFBhN0ZZRUIwZmNOeVFXVk1KZlNLWFNvMUJtTDJYeHFFNk1RUFpQRU8yV1dHWDlIYUl0SXQxWnVCczNHYzNEM1hkWWg2TnhVd3Q4OFlOTm5fVWxjVmt1YzZIUTVSWm5NckZqMmNPbVJYaTE1OWY5VDJBNUlEMVhSeFp6QmxZWFhWaWhpMzNRM3FGeHJJRzRHbkpHOHF4YjhuUlg0OVJmc2hjXzNXVGtPNURfQzVUYXEtMzlYeGRYU1lJWnowVnlQNkpVM2E2?oc=5) · exploreJefferson
- 2025-07-04 [Connect with Car Lovers at Fryburg’s Cars & Coffee This Holiday Weekend - exploreJefferson](https://news.google.com/rss/articles/CBMizAFBVV95cUxOY0Roak1lelNOOFVxNS1XVVVieHhTMmM5eEtlaGxEWnoySUNDTlFOQVdvMk5TcW9PNTZRSV9vRkU5SENTVkJlQWF2bTFxQ3o2eDZKVXNDX3hDandaWlFPUkpIX0VzTjg2eGRwTkVfYk5TbTZMc3VmOEVXa1pKanNZdG0tbm5CT1FWeUxVT2ltNE40WV8tZC04SDFMS05JbkJZNk9nei1KbWdUVXptaDIxOUhRdVZsaXRnc2ZpUnI1aDduQXoyODZPNkwzSkE?oc=5) · exploreJefferson
- 2026-04-24 [FUN Bank Announces Tionesta Branch Opening and Weeklong Celebration - exploreClarion](https://news.google.com/rss/articles/CBMixgFBVV95cUxOaTRoUHpVV0xCSUphLTlhSFI0Z0JuaUdOa2JNOS1uTVVuMEx5NmtKSklYaEF3R3VqNWNzLV9nTm5hMnFBOEVCUEVQcS13Y2FkSWlLWGRpOXoxbGNBWjBTTVR6cGhqYlc0VzZVSy1FbjJwZ1NEMnNIZGFfQkQ3MTJKakJRTGNCcm5PX3RiaVJqY1AyWEN2bWd5YTNHTGhYQm9aRHFxQnJnRFU5RXdDWUZuZkwydjczakRXeDIweWhFWUNsSHBXdHc?oc=5) · exploreClarion

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7886 (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/14.json (key "7886", 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