TellerScore

First United Bank and Trust Company (FDIC certificate #4239) is based in Durant, Oklahoma. Its Q2 2026 call report shows $16.6B in total assets and $13.3B in deposits and 80 offices across 2 states.

Based on its Q2 2026 filing, First United Bank and Trust Company scores 50/100, which we describe as below average. That is higher than only 11% of 132 banks with $10 billion – $100 billion. Among 170 banks headquartered in Oklahoma, it ranks 144th. Its strongest component is problem-loan coverage (70/100; 14.8%), and its lowest is funding & liquidity (41/100; 95% loans-to-deposits, 37% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.80%
Loan quality44/100
Noncurrent loans ÷ total loans: 1.69%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity41/100
Loans ÷ deposits and uninsured-deposit share: 95.0% · 36.5% uninsured
Problem-loan coverage70/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 14.81%

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 7 points (43 → 50), mostly because the capital cushion component improved by 10 points.

TellerScore
434751Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202445
Q3 202443
Q4 202448
Q1 202550
Q2 202543
Q3 202548
Q4 202551
Q1 202648
Q2 202650
Tier 1 leverage ratio
5.00%7.43%9.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.40%
Q3 20248.41%
Q4 20248.72%
Q1 20258.88%
Q2 20258.79%
Q3 20258.97%
Q4 20259.43%
Q1 20269.87%
Q2 20269.80%
Noncurrent loans
1.39%1.66%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.51%
Q3 20241.74%
Q4 20241.44%
Q1 20251.39%
Q2 20251.93%
Q3 20251.65%
Q4 20251.57%
Q1 20261.92%
Q2 20261.69%
Return on assets
0.59%0.78%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.68%
Q4 20240.79%
Q1 20250.83%
Q2 20250.85%
Q3 20250.91%
Q4 20250.97%
Q1 20260.88%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$16.6B9.80%1.69%0.92%95.0%
Q1 202648$16.4B9.87%1.92%0.88%94.4%
Q4 202551$16.3B9.43%1.57%0.97%95.1%
Q3 202548$16.5B8.97%1.65%0.91%99.3%
Q2 202543$16.4B8.79%1.93%0.85%100.2%
Q1 202550$16.3B8.88%1.39%0.83%99.4%
Q4 202448$16.3B8.72%1.44%0.79%99.5%
Q3 202443$16.4B8.41%1.74%0.68%102.3%
Q2 202445$16.4B8.40%1.51%0.59%103.8%

132 peers · $10 billion – $100 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 ratio9.80%
39th
Total risk-based capital13.36%
29th
Problem loans1.69%
9th
Net charge-offs0.06%
69th
Return on assets0.92%
21st
Net interest margin3.62%
52nd
Efficiency ratio70.1%
10th
Loans to deposits95.0%
18th
Uninsured deposits36.5%
56th
Loan-loss reserves1.00%
32nd
Texas ratio14.8%
6th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
BancFirstBank Oklahoma City, OK71 out of 100, Strong$12.8B10.6%1.19%vs
MidFirst BankBank Oklahoma City, OK34 out of 100, Low$42.8B9.0%18.31%vs
BOKF, National AssociationBank Tulsa, OK64 out of 100, Moderate$53.0B9.3%0.54%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 #4239). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.5% of deposits ($4.9B) are above the $250,000 FDIC insurance limit, close to the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.80%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.36% (benchmark: 10%).

Check how much of your own balance is covered

80 locations

Branches

First United Bank and Trust Company lists 74 offices in 50 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First United Bank and Trust Company reported 9,588 home-loan applications under HMDA (LEI 549300DMHEHNYZ2OLB41): 6,705 originated ($2,382,695,000 total), 600 denied, and 2,177 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.1%, 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
The Durant Bank & Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
4239
RSSD ID
509950
Primary regulator
FED
Holding company
Spend Life Wisely Co Inc
Established
January 1, 1900
Headquarters
1400 W Main St, Durant, OK 74701
Employees
1,886

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 #4239). 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?

50 out of 100 (Below average), 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 #4239 in the FDIC failed bank list.

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

80 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Durant

InstitutionScoreAssetsCapitalProblem loansCompare
Texoma Educators Federal Credit UnionCredit union Sherman, TX87 out of 100, Very strong$128.1M14.8%0.96%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
Shamrock Bank, N.A.Bank Coalgate, OK79 out of 100, Strong$501.5M10.8%0.29%vs
First National Bank and Trust Company of ArdmoreBank Ardmore, OK79 out of 100, Strong$686.7M10.1%0.03%vs
American Nation BankBank Ardmore, OK76 out of 100, Strong$691.5M10.3%0.06%vs
BancFirstBank Oklahoma City, OK71 out of 100, Strong$12.8B10.6%1.19%vs