TellerScore

First United Bank is a state-chartered bank headquartered in Park River, North Dakota, in business for about 140 years. At the end of Q2 2026 it reported $810.8M in total assets and $702.1M in deposits, with 19 offices.

First United Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 12th. Loan quality contributes the most (100/100, 0.01%); capital cushion contributes the least (51/100, 10.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.13%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings87/100
Return on assets (annualized): 1.66%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 81.9% · 21.6% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.76%

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 4 points (74 → 78), mostly because the earnings component improved by 17 points.

TellerScore
727578Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202472
Q1 202573
Q2 202574
Q3 202572
Q4 202575
Q1 202676
Q2 202678
Tier 1 leverage ratio
5.00%7.67%10.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.92%
Q3 20249.66%
Q4 20249.62%
Q1 20259.83%
Q2 202510.07%
Q3 202510.28%
Q4 202510.20%
Q1 202610.34%
Q2 202610.13%
Noncurrent loans
0.01%0.24%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.10%
Q3 20240.09%
Q4 20240.13%
Q1 20250.08%
Q2 20250.08%
Q3 20250.47%
Q4 20250.03%
Q1 20260.03%
Q2 20260.01%
Return on assets
1.09%1.38%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.11%
Q3 20241.09%
Q4 20241.15%
Q1 20251.15%
Q2 20251.25%
Q3 20251.36%
Q4 20251.34%
Q1 20261.35%
Q2 20261.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$810.8M10.13%0.01%1.66%81.9%
Q1 202676$739.6M10.34%0.03%1.35%80.5%
Q4 202575$723.7M10.20%0.03%1.34%84.6%
Q3 202572$719.0M10.28%0.47%1.36%85.5%
Q2 202574$712.5M10.07%0.08%1.25%83.3%
Q1 202573$734.1M9.83%0.08%1.15%77.9%
Q4 202472$735.6M9.62%0.13%1.15%83.6%
Q3 202472$735.7M9.66%0.09%1.09%84.3%
Q2 202472$697.5M9.92%0.10%1.11%85.5%

2,650 peers · $100 million – $1 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 ratio10.13%
34th
Total risk-based capital0.00%
24th
Problem loans0.01%
85th
Net charge-offs0.01%
50th
Return on assets1.66%
74th
Net interest margin4.00%
53rd
Efficiency ratio55.6%
71st
Loans to deposits81.9%
46th
Uninsured deposits21.6%
58th
Loan-loss reserves1.30%
62nd
Texas ratio0.8%
73rd

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
American Federal BankBank Fargo, ND66 out of 100, Moderate$795.8M9.3%0.00%vs
United Valley BankBank Cavalier, ND72 out of 100, Strong$751.6M10.5%0.13%vs
BankNorthBank Arthur, ND72 out of 100, Strong$694.1M10.3%0.58%vs
American State Bank & Trust Company of WillistonBank Williston, ND68 out of 100, Moderate$643.5M12.1%2.07%vs
Unison BankBank Jamestown, ND67 out of 100, Moderate$596.9M10.0%0.44%vs
KodaBankBank Drayton, ND75 out of 100, Strong$559.8M10.3%0.30%vs

Deposit insurance

Is my money safe at First United Bank?

Yes. First United Bank is an FDIC-insured institution (FDIC certificate #15472). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.6% of deposits ($151.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.13%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

First United Bank lists 19 offices in 18 cities. Most locations:

  • Cando, ND (2)
  • Adams, ND (1)
  • Aneta, ND (1)
  • Bisbee, ND (1)
  • Cavalier, ND (1)
  • Cooperstown, ND (1)
  • Crystal, ND (1)
  • Devils Lake, ND (1)
  • Fargo, ND (1)
  • Grafton, ND (1)
  • Hoople, ND (1)
  • Maddock, ND (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First United Bank reported 68 home-loan applications under HMDA (LEI 5493000N2MFQSET3L013): 61 originated ($13,585,000 total), 2 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.2%, 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
First Bank Park River, National Association; First State Bank of Park River; The First State Bank of Park River
Type
State-chartered bank
FDIC certificate #
15472
RSSD ID
1011955
Primary regulator
FDIC
Holding company
First Holding Park River
Established
January 1, 1886
Headquarters
503 Briggs Ave S, Park River, ND 58270
Employees
96

Quick answers

First United Bank: common questions

Is First United Bank FDIC insured?

Yes. First United Bank is an FDIC-insured institution (FDIC certificate #15472). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First United Bank's TellerScore?

78 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 #15472 in the FDIC failed bank list.

How many branches does First United Bank have?

19 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Park River

InstitutionScoreAssetsCapitalProblem loansCompare
KodaBankBank Drayton, ND75 out of 100, Strong$559.8M10.3%0.30%vs
Choice Financial GroupBank Fargo, ND73 out of 100, Strong$6.4B10.8%0.68%vs
Gate City BankBank Fargo, ND65 out of 100, Moderate$4.0B9.8%0.69%vs
North Star Community Credit UnionCredit union Maddock, ND61 out of 100, Moderate$464.8M14.3%2.87%vs
Old National BankBank Evansville, IN59 out of 100, Moderate$73.9B8.8%0.92%vs
Citizens State Bank of LankinBank Lankin, ND57 out of 100, Moderate$72.1M10.1%1.58%vs