TellerScore

First United Bank and Trust Company is a state-chartered bank headquartered in Madisonville, Kentucky, in business for about 30 years. At the end of Q2 2026 it reported $591.4M in total assets and $525.0M in deposits, with 7 offices.

First United Bank and Trust Company has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 50th. Problem-loan coverage contributes the most (95/100, 2.5%); capital cushion contributes the least (45/100, 9.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.53%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.25%
Earnings78/100
Return on assets (annualized): 1.45%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 75.5% · 15.9% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.48%

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 5 points (69 → 74), mostly because the earnings component improved by 15 points.

TellerScore
677174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202467
Q4 202468
Q1 202568
Q2 202569
Q3 202570
Q4 202571
Q1 202672
Q2 202674
Tier 1 leverage ratio
5.00%7.26%9.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.14%
Q3 20248.75%
Q4 20248.47%
Q1 20258.61%
Q2 20258.68%
Q3 20258.94%
Q4 20259.00%
Q1 20269.19%
Q2 20269.53%
Noncurrent loans
0.13%0.20%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.15%
Q3 20240.18%
Q4 20240.13%
Q1 20250.17%
Q2 20250.19%
Q3 20250.16%
Q4 20250.14%
Q1 20260.27%
Q2 20260.25%
Return on assets
0.76%1.11%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.81%
Q4 20240.89%
Q1 20250.98%
Q2 20251.06%
Q3 20251.13%
Q4 20251.15%
Q1 20261.39%
Q2 20261.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$591.4M9.53%0.25%1.45%75.5%
Q1 202672$605.6M9.19%0.27%1.39%74.1%
Q4 202571$594.0M9.00%0.14%1.15%73.5%
Q3 202570$589.9M8.94%0.16%1.13%75.3%
Q2 202569$589.2M8.68%0.19%1.06%73.8%
Q1 202568$584.3M8.61%0.17%0.98%71.2%
Q4 202468$573.3M8.47%0.13%0.89%71.4%
Q3 202467$582.5M8.75%0.18%0.81%73.8%
Q2 202468$554.3M9.14%0.15%0.76%71.9%

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 ratio9.53%
22nd
Total risk-based capital15.37%
70th
Problem loans0.25%
61st
Net charge-offs0.00%
56th
Return on assets1.45%
63rd
Net interest margin3.94%
50th
Efficiency ratio65.8%
40th
Loans to deposits75.5%
59th
Uninsured deposits15.9%
79th
Loan-loss reserves1.16%
46th
Texas ratio2.5%
52nd

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
First Kentucky Bank, Inc.Bank Mayfield, KY73 out of 100, Strong$585.6M9.3%0.25%vs
Hearthside Bank CorporationBank Middlesboro, KY68 out of 100, Moderate$608.9M10.1%0.32%vs
Peoples Exchange BankBank Winchester, KY71 out of 100, Strong$609.8M10.0%0.06%vs
Peoples Bank of Kentucky, Inc.Bank Flemingsburg, KY45 out of 100, Below average$564.9M11.1%3.20%vs
West Point BankBank Radcliff, KY57 out of 100, Moderate$560.6M8.5%0.93%vs
Magnolia Bank, IncorporatedBank Elizabethtown, KY49 out of 100, Below average$546.3M11.0%2.02%vs

Deposit insurance

Is my money safe at First United Bank and Trust Company?

Yes. First United Bank and Trust Company is an FDIC-insured institution (FDIC certificate #34150). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.9% of deposits ($83.6M) 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 9.53%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.37% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

First United Bank and Trust Company lists 7 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First United Bank and Trust Company reported 132 home-loan applications under HMDA (LEI 549300V9HKOIF4980H71): 119 originated ($27,775,000 total), 6 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.8%, 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 and Trust Company
Former names
First United Bank of Hopkins County, Inc.
Type
State-chartered bank
FDIC certificate #
34150
RSSD ID
2356091
Primary regulator
FDIC
Holding company
First United Bcorp Inc
Established
March 29, 1996
Headquarters
162 N Main St, Madisonville, KY 42431
Employees
108

Quick answers

First United Bank and Trust Company: common questions

Is First United Bank and Trust Company FDIC insured?

Yes. First United Bank and Trust Company is an FDIC-insured institution (FDIC certificate #34150). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First United Bank and Trust Company's TellerScore?

74 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 and Trust Company ever failed?

There is no failure record for FDIC certificate #34150 in the FDIC failed bank list.

How many branches does First United Bank and Trust Company have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Madisonville

InstitutionScoreAssetsCapitalProblem loansCompare
Owensboro Federal Credit UnionCredit union Owensboro, KY88 out of 100, Very strong$88.3M14.2%0.26%vs
Regional Medical Ctr Hopkins Co Emp Federal Credit UnionCredit union Madisonville, KY87 out of 100, Very strong$9.3M13.9%0.25%vs
Commonwealth Community Bank, Inc.Bank Hartford, KY83 out of 100, Strong$157.7M14.7%0.24%vs
United Southern BankBank Hopkinsville, KY81 out of 100, Strong$353.7M12.7%0.37%vs
United Community Bank of West Kentucky, Inc.Bank Morganfield, KY78 out of 100, Strong$524.9M11.0%0.11%vs
Planters Bank, Inc.Bank Hopkinsville, KY77 out of 100, Strong$2.0B12.4%0.11%vs