First United Bank and Trust Company

Durant, Oklahoma, Bryan County

$16.6B in total assets, the 122nd largest of 4,309 US banks and 3rd of 171 headquartered in Oklahoma.

At a glance

Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$16.6B	33%	$22.5B
Loans	$12.8B	38%	$14.5B
Deposits	$13.3B	30%	$18.4B
Return on assets	1.00%	25%	1.30%
Net interest margin	3.62%	50%	3.61%
Efficiency ratio	70.1%	89%	55.1%
Equity to assets	9.72%	23%	11.60%
Loans to deposits	96%	81%	87%

Total assets grew 7.3% a year over the last 5 years and 17.5% a year over 10 years, including 1 acquisition in the last 10 years.

Closed	Acquired bank	Assets at acquisition
Nov 2016	American Bank of Texas Sherman, TX	$2.4B
Feb 2015	First American Bank Purcell, OK	$298M
Dec 2005	Southwestern Bank Oklahoma City, OK	$127M
Mar 2005	Farmers & Merchants State Bank of Krum Krum, TX	$155M
Dec 2000	First United Bank Sapulpa, OK, an affiliate under the same holding company	$92M
Nov 1999	Oklahoma State Bank Ada, OK	$102M
Jun 1999	First State Bank & Trust Company of Shawnee Shawnee, OK	$90M
Jan 1999	The First State Bank Bokchito, OK	$16M
Jan 1998	First United Bank and Trust Company Holdenville, OK, an affiliate under the same holding company	$192M
Oct 1990	Midwest Savings Association, FA Minneapolis, MN	$1.8B
Feb 1990	The First National Bank of Colbert Colbert, OK	$18M

74 branches in 29 counties.

County	Deposits	Market share	Rank
Bryan County, OK	$3.4B	88.1%	1 of 6
Grayson County, TX	$1.6B	38.7%	1 of 17
Pontotoc County, OK	$950M	49.6%	1 of 8
Dallas County, TX	$778M	0.2%	36 of 109
Collin County, TX	$719M	1.8%	10 of 70
Guadalupe County, TX	$688M	26.2%	1 of 13

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net gain of 38 branches since 2016 (36 to 74, +105.6%). 10 opened, 31 acquired, 3 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				36
2016	Acquired American Bank of Texas	31	0	+31	67
2017	Opened Oklahoma City	1	0	+1	68
2019	Opened Dallas	1	0	+1	69
2021	Opened 4 in 2 statesClosed Sherman	4	2	+2	71
2022	Opened Plano and Tishomingo	2	0	+2	73
2023	Closed Austin	0	1	−1	72
2025	Opened San Antonio	1	0	+1	73
2026 through Q2	Opened Tulsa	1	0	+1	74

Type	This bank	Peers
1-4 family residential	39%	21%
Commercial real estate	27%	25%
Construction and land	12%	6%
Business (C&I)	9%	17%
Multifamily	8%	8%
Farmland	2%	1%
Consumer	1%	10%
Other	1%	13%

Type	This bank	Peers
Other interest-bearing	58%	62%
Noninterest-bearing	23%	20%
Time deposits	19%	18%

Brokered deposits are 12.3% of deposits (peers 7.2%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-united-bank-trust-durant-ok