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

First United Bank

Dimmitt, Texas · $2.41B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

70.8%
Loans / deposits
4th of 12
189.9%
CRE / capital
4th of 12
10.5%
Equity / assets
8th of 12

First United Bank is the eighth largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.41B in assets at 30 June 2026. Loans are 70.8% of deposits, 4th of 12 against a median of 74.2%, and equity is 10.5% of assets, 8th of 12. Loans grew +2.8% in the year, 8th of 12, and deposits grew 0.9%; the cohort's median loan growth is +4.5%.

Noncurrent loans are 0.41% of the book, 6th of 12 against a median of 0.41%; 0.78% is 30 to 89 days past due, and the allowance covers them 3.3 times. Commercial real estate is 37.4% of loans, 5th of 12 against a median of 40.7%, and 190% of capital, below the 300% screen, with construction at 65% against the 100% screen.

Return on assets is 1.98%, 5th of 12 against a median of 1.69%, on an efficiency ratio of 53.2%, 8th of 12. Five years ago it was 2.00%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 74.2% TC Texas Community Bank 59.8% EB Extraco Banks National Association 64.4% TF Texas First Bank 65.1% FU First United Bank 70.8% CN Community National Bank 72.7% HB Horizon Bank SSB 74.0% FI Falcon International Bank 74.5% AN American National Bank & Trust 85.7% SB State Bank of Texas 97.8% GB Golden Bank National Association 101.2% WF Wells Fargo Bank S Central N.A. 102.3% T Texasbank 106.5%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.5% T Texasbank +9.2% GB Golden Bank National Association +9.0% AN American National Bank & Trust +8.0% FI Falcon International Bank +6.5% TF Texas First Bank +6.3% HB Horizon Bank SSB +6.1% TC Texas Community Bank +2.9% FU First United Bank +2.8% EB Extraco Banks National Association +1.1% CN Community National Bank -1.1% SB State Bank of Texas -7.0% WF Wells Fargo Bank S Central N.A. -14.6%

SBA 7(a), FY2008 to FY2026

First United Bank is the 255th largest 7(a) lender into Texas of 706, with $14M across 96 loans, 0.0% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 7 of its 12 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
Randall, TX$4M6th of 534.8%-1.5 pts
Lubbock, TX$3M38th of 970.8%+0.9 pts
Potter, TX$3M14th of 492.6%quiet FY2021
Hemphill, TX$1M2nd of 623.6%thin
Swisher, TX$815K2nd of 630.1%quiet FY2021
Deaf Smith, TX$787K6th of 104.7%thin
Castro, TX$394K1st of 459.4%quiet FY2011
Hale, TX$315K12th of 202.1%quiet FY2018
Hockley, TX$250K15th of 221.3%quiet FY2018
Jones, TX$244K8th of 123.6%quiet FY2022
Moore, TX$150K14th of 170.7%thin
Collin, TX$35K260th of 2610.0%quiet FY2013
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
Construction22$3M21.2%0.01%758th of 2,063
Manufacturing10$2M17.1%0.01%1006th of 2,246
Health care & social assistance7$2M12.6%0.00%916th of 2,172
Professional & technical services11$1M10.4%0.00%856th of 1,955
Retail trade16$1M9.6%0.00%1387th of 2,589
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and First United Bank
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 0.0% $14M · 96 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
First United BankRankCohort median
Total CRE against capital, the 300% screen190%4th of 12235%
Construction against capital, the 100% screen65%6th of 1265%
Construction and land development, share of loans12.7%6th of 1213.0%
Non-owner-occupied nonfarm nonresidential, share of loans20.9%6th of 1223.8%
Total CRE, the guidance definition, share of loans37.4%5th of 1240.7%
CRE growth over 36 months, the third prong+24.0%6th of 12+25.1%

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
Wells Fargo Bank S Central N.A.$2.59B1.7%14.5%1.24%0.01%0.1%102.3%30.1%
State Bank of Texas$2.59B4.2%21.4%2.16%0.00%1.0%97.8%16.4%
Extraco Banks National Association$2.57B0.8%75.7%0.04%0.04%2.4%64.4%8.4%
Horizon Bank SSB$2.55B1.7%52.6%0.00%0.02%1.7%74.0%8.0%
Community National Bank$2.54B2.1%47.6%1.66%0.01%1.7%72.7%12.9%
American National Bank & Trust$2.54B1.0%68.3%0.88%0.00%1.1%85.7%10.2%
Texasbank$2.48B2.3%52.8%0.41%0.11%1.2%106.5%12.6%
First United Bank$2.41B2.0%53.2%0.41%0.10%1.3%70.8%10.5%
Texas First Bank$2.35B1.7%58.6%0.17%0.01%1.3%65.1%9.7%
Golden Bank National Association$2.28B1.6%41.9%2.16%-0.05%1.3%101.2%13.6%
Falcon International Bank$2.25B1.5%55.0%0.00%0.02%1.1%74.5%12.2%
Texas Community Bank$2.20B2.1%40.9%0.20%0.05%2.0%59.8%12.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First United BankCohort median
20212026Change20212026Change
Loans$1.11B$1.51B+36%$979M$1.61B+64%
Deposits$1.42B$2.13B+51%$1.45B$2.08B+43%
NPA / loans0.11%0.41%+0.29 pts0.26%0.41%+0.15 pts
Efficiency52.2%53.2%+1.1 pts57.6%52.7%-5.0 pts
ROA2.00%1.98%-0.02 pts1.39%1.69%+0.30 pts

This read was prepared for First United Bank'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 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 TX banks $1B to $3B
Institution www.firstunited.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state 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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