BankingStats

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.

FDIC certificate
4239
Established
1900
Owned by
Spend Life Wisely Co Inc
Primary regulator
FED
Website
www.firstunitedbank.com

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 range, middle 90% 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%

Growth

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.

Acquisitions

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

Where they operate

74 branches in 29 counties.

Largest markets by deposits

CountyDepositsMarket shareRank
Bryan County, OK$3.4B88.1%1 of 6
Grayson County, TX$1.6B38.7%1 of 17
Pontotoc County, OK$950M49.6%1 of 8
Dallas County, TX$778M0.2%36 of 109
Collin County, TX$719M1.8%10 of 70
Guadalupe County, TX$688M26.2%1 of 13

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

Branch history since 2016

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

PeriodWhat happenedOpened or acquiredClosed or soldNet changeBranches at end
Start of 2016Starting point36
2016Acquired American Bank of Texas310+3167
2017Opened Oklahoma City10+168
2019Opened Dallas10+169
2021Opened 4 in 2 statesClosed Sherman42+271
2022Opened Plano and Tishomingo20+273
2023Closed Austin01−172
2025Opened San Antonio10+173
2026 through Q2Opened Tulsa10+174

Balance sheet and earnings

Loans by type

TypeShareThis bankPeers
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%

Deposits by type

TypeShareThis bankPeers
Other interest-bearing 58%62%
Noninterest-bearing 23%20%
Time deposits 19%18%

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

Return on assets

Trailing four quarters, with the peer median.

Credit and capital

This bankPeer median
Noncurrent loans1.56%0.63%
Net charge-offs, annualized0.06%0.14%
Reserves to loans1.00%1.15%
Leverage ratio9.80%10.26%

Noncurrent loans exclude government-guaranteed portions.

Similar size in Oklahoma

Largest competitors in Bryan County, OK

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