TellerScore

Headquartered in Dimmitt, Texas, First United Bank is a state-chartered bank with $2.4B in total assets and $2.1B in deposits as of Q2 2026. It operates 25 offices. Its charter dates back to 1907.

First United Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 83% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 124th. Earnings contributes the most (100/100, 2.03%); funding & liquidity contributes the least (51/100, 70% loans-to-deposits, 50% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.17%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.41%
Earnings100/100
Return on assets (annualized): 2.03%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 69.8% · 50.2% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.25%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 12 points (65 → 77), mostly because the problem-loan coverage component improved by 23 points.

TellerScore
586877Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202458
Q4 202469
Q1 202569
Q2 202565
Q3 202567
Q4 202570
Q1 202674
Q2 202677
Tier 1 leverage ratio
5.00%8.40%11.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.30%
Q3 202411.47%
Q4 202411.81%
Q1 202510.97%
Q2 202510.28%
Q3 202510.56%
Q4 202510.89%
Q1 202611.08%
Q2 202611.17%
Noncurrent loans
0.41%1.19%1.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.66%
Q3 20241.97%
Q4 20240.75%
Q1 20250.66%
Q2 20250.92%
Q3 20250.85%
Q4 20250.74%
Q1 20260.71%
Q2 20260.41%
Return on assets
1.47%1.75%2.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.48%
Q3 20241.52%
Q4 20241.48%
Q1 20251.47%
Q2 20251.60%
Q3 20251.71%
Q4 20251.76%
Q1 20261.97%
Q2 20262.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$2.4B11.17%0.41%2.03%69.8%
Q1 202674$2.4B11.08%0.71%1.97%67.2%
Q4 202570$2.5B10.89%0.74%1.76%67.7%
Q3 202567$2.4B10.56%0.85%1.71%69.8%
Q2 202565$2.4B10.28%0.92%1.60%68.5%
Q1 202569$2.4B10.97%0.66%1.47%66.7%
Q4 202469$2.1B11.81%0.75%1.48%75.7%
Q3 202458$2.2B11.47%1.97%1.52%77.4%
Q2 202460$2.2B11.30%1.66%1.48%78.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.17%
63rd
Total risk-based capital16.83%
82nd
Problem loans0.41%
59th
Net charge-offs0.10%
32nd
Return on assets2.03%
89th
Net interest margin4.02%
70th
Efficiency ratio50.5%
75th
Loans to deposits69.8%
84th
Uninsured deposits50.2%
9th
Loan-loss reserves1.34%
75th
Texas ratio2.3%
66th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas First BankBank Texas City, TX75 out of 100, Strong$2.3B10.0%0.17%vs
TexasBankBank Fort Worth, TX80 out of 100, Strong$2.5B12.9%0.41%vs
American National Bank & TrustBank Wichita Falls, TX61 out of 100, Moderate$2.5B10.2%0.88%vs
Golden Bank, National AssociationBank Houston, TX66 out of 100, Moderate$2.3B13.7%2.16%vs
Community National BankBank Midland, TX70 out of 100, Strong$2.5B12.7%1.66%vs
Horizon Bank, SSBBank Austin, TX72 out of 100, Strong$2.6B9.0%0.00%vs

Deposit insurance

Is my money safe at First United Bank?

Yes. First United Bank is an FDIC-insured institution (FDIC certificate #12769). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 50.2% of deposits ($1.1B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.83% (benchmark: 10%).

Check how much of your own balance is covered

25 locations

Branches

First United Bank lists 23 offices in 20 cities. Most locations:

  • Lubbock, TX (3)
  • Amarillo, TX (2)
  • Abernathy, TX (1)
  • Canyon, TX (1)
  • Childress, TX (1)
  • Dimmitt, TX (1)
  • Earth, TX (1)
  • Hale Center, TX (1)
  • Haskell, TX (1)
  • Idalou, TX (1)
  • Lamesa, TX (1)
  • Littlefield, TX (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First United Bank reported 417 home-loan applications under HMDA (LEI 549300DDDXGC8OXLNZ36): 384 originated ($95,920,000 total), 8 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First United Bank
Former names
The First State Bank of Dimmitt
Type
State-chartered bank
FDIC certificate #
12769
RSSD ID
578255
Primary regulator
FDIC
Holding company
Plains Bcorp Inc
Established
March 7, 1907
Headquarters
201 N Broadway St, Dimmitt, TX 79027
Employees
293

Quick answers

First United Bank: common questions

Is First United Bank FDIC insured?

Yes. First United Bank is an FDIC-insured institution (FDIC certificate #12769). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First United Bank's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First United Bank ever failed?

There is no failure record for FDIC certificate #12769 in the FDIC failed bank list.

How many branches does First United Bank have?

25 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dimmitt

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of HerefordBank Hereford, TX84 out of 100, Strong$344.6M12.3%0.05%vs
Hereford Texas Federal Credit UnionCredit union Hereford, TX80 out of 100, Strong$77.3M21.4%0.91%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs
FirstBank SouthwestBank Amarillo, TX73 out of 100, Strong$1.9B11.2%0.41%vs
First National Bank TexasBank Killeen, TX64 out of 100, Moderate$4.6B9.1%1.23%vs