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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

First United Bank & Trust Co.

Durant, Oklahoma · $16.59B in assets · beside the 11 other the Southwest banks over $10B (the state alone holds too few in the band to rank)

The filing

279.6%
CRE / capital
12th of 12
96.0%
Loans / deposits
11th of 12
1.69%
NPA / loans
10th of 11

First United Bank & Trust Co. is the third largest of the 12 the Southwest banks nearest its size over $10B, with $16.59B in assets at 30 June 2026. Loans are 96.0% of deposits, 11th of 12 against a median of 84.7%, and equity is 9.7% of assets, 9th of 12. Loans grew +0.1% in the year, 9th of 11, and deposits grew 5.6%; the cohort's median loan growth is +3.8%.

Noncurrent loans are 1.69% of the book, 10th of 11 against a median of 1.19%; 0.20% is 30 to 89 days past due, and the allowance covers them 0.6 times. Commercial real estate is 38.3% of loans, 9th of 11 against a median of 32.1%, and 280% of capital, below the 300% screen, with construction at 89% against the 100% screen.

Return on assets is 0.91%, 10th of 12 against a median of 1.30%, on an efficiency ratio of 71.5%, 9th of 12. Five years ago it was 1.35%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate against capital, the 300% screenSouthwest banks over $10B · 30 June 2026 · lower is stronger, listed first
median 138% CS Charles Schwab Premier Bank SS 0% CS Charles Schwab Trust Bank 0% AN Amarillo National Bank 48% TC Texas Capital Bank 105% FF First Financial Bank 107% N Nexbank 116% B Bancfirst 160% IB International Bank of Com 215% SB Sunflower Bank National Association 228% SB Stellar Bank 246% PB Plainscapital Bank 255% FU First United Bank & Trust Co. 280%
Loans, year over yearSouthwest banks over $10B · 30 June 2026 · no better direction, largest first
median +3.8% SB Sunflower Bank National Association +77.5% IB International Bank of Com +10.3% B Bancfirst +7.1% PB Plainscapital Bank +6.9% TC Texas Capital Bank +4.3% AN Amarillo National Bank +3.8% FF First Financial Bank +3.2% SB Stellar Bank +3.1% FU First United Bank & Trust Co. +0.1% N Nexbank -2.2% CS Charles Schwab Premier Bank SS -100.0%

SBA 7(a), FY2008 to FY2026

First United Bank & Trust Co. is the 42nd largest 7(a) lender into Texas of 706, with $269M across 322 loans, 0.6% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 39 of its 64 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Dallas, TX$62M20th of 3141.1%-0.2 pts
Collin, TX$50M10th of 2611.8%-0.0 pts
Denton, TX$44M9th of 2242.3%-0.5 pts
Tarrant, TX$36M26th of 2811.0%-0.2 pts
Oklahoma, OK$34M3rd of 1723.4%-0.0 pts
Cleveland, OK$16M2nd of 887.5%+11.5 pts
Bexar, TX$11M51st of 2370.5%+0.3 pts
Grayson, TX$10M4th of 814.7%-0.6 pts
Tulsa, OK$10M22nd of 1590.9%quiet FY2021
Guadalupe, TX$10M6th of 765.1%-2.2 pts
Johnston, OK$7M1st of 777.5%quiet FY2020
Bryan, OK$7M1st of 1537.5%quiet FY2021
Cooke, TX$7M6th of 435.1%quiet FY2021
51 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services73$61M15.7%0.08%195th of 2,596
Other services60$47M12.0%0.13%130th of 2,248
Manufacturing39$46M11.7%0.11%156th of 2,246
Health care & social assistance71$44M11.2%0.09%146th of 2,172
Retail trade61$34M8.7%0.06%231st of 2,589
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and First United
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans FU First United Bank and Trust Compa… 0.6% $269M · 322 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
First UnitedRankCohort median
Total CRE against capital, the 300% screen280%12th of 12138%
Construction against capital, the 100% screen89%12th of 1237%
Construction and land development, share of loans12.2%8th of 119.6%
Non-owner-occupied nonfarm nonresidential, share of loans18.6%8th of 1110.2%
Total CRE, the guidance definition, share of loans38.3%9th of 1132.1%
CRE growth over 36 months, the third prong+3.1%5th of 10+5.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Texas Capital Bank$33.62B1.0%59.3%0.50%0.27%1.1%84.9%10.1%
Charles Schwab Premier Bank SS$26.58B1.5%14.9%0.00%0.00%0.0%0.0%7.9%
First United Bank & Trust Co.$16.59B0.9%71.5%1.69%0.06%1.0%96.0%9.7%
Sunflower Bank National Association$15.65B0.2%75.2%1.63%0.90%1.5%86.9%12.3%
First Financial Bank$15.23B1.7%44.9%0.77%-0.01%1.3%62.9%11.8%
Nexbank$14.16B1.1%50.8%1.47%0.06%0.4%84.5%8.4%
Bancfirst$12.80B1.7%50.6%1.19%0.11%1.3%64.7%11.2%
Plainscapital Bank$12.68B1.1%75.1%1.03%0.16%0.9%87.0%10.7%
Charles Schwab Trust Bank$10.51B2.0%25.4%no recordno recordno record0.0%7.7%
Stellar Bank$10.40B-0.6%96.3%0.69%0.14%1.1%86.0%15.2%
Amarillo National Bank$10.38B1.7%49.2%1.54%0.75%1.3%78.7%10.8%
International Bank of Com$10.19B2.7%36.5%2.21%0.03%1.6%109.0%20.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First UnitedCohort median
20212026Change20212026Change
Loans$9.24B$12.79B+38%$5.49B$7.94B+45%
Deposits$9.70B$13.33B+37%$9.32B$11.12B+19%
NPA / loans0.54%1.69%+1.15 pts0.58%1.19%+0.61 pts
Efficiency64.2%71.5%+7.3 pts54.6%50.7%-3.9 pts
ROA1.35%0.91%-0.44 pts1.31%1.30%-0.01 pts

This read was prepared for First United Bank & Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First United Bank & Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southwest banks over $10B
Institution www.firstunitedbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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