First United National Bank is a national bank headquartered in Fryburg, Pennsylvania, in business for about 117 years. At the end of Q2 2026 it reported $385.8M in total assets and $362.6M in deposits, with 7 offices.
First United National Bank has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 85th. Funding & liquidity contributes the most (98/100, 56% loans-to-deposits, 17% uninsured); capital cushion contributes the least (32/100, 8.16%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (58 → 59).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 56 |
| Q4 2024 | 57 |
| Q1 2025 | 57 |
| Q2 2025 | 58 |
| Q3 2025 | 59 |
| Q4 2025 | 60 |
| Q1 2026 | 59 |
| Q2 2026 | 59 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.50% |
| Q3 2024 | 8.36% |
| Q4 2024 | 8.32% |
| Q1 2025 | 8.03% |
| Q2 2025 | 8.06% |
| Q3 2025 | 8.29% |
| Q4 2025 | 8.29% |
| Q1 2026 | 8.36% |
| Q2 2026 | 8.16% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 0.91% |
| Q4 2024 | 0.84% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.80% |
| Q3 2025 | 0.87% |
| Q4 2025 | 0.82% |
| Q1 2026 | 0.93% |
| Q2 2026 | 0.91% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.34% |
| Q2 2025 | 0.38% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.52% |
| Q2 2026 | 0.65% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $385.8M | 8.16% | 0.91% | 0.65% | 56.4% |
| Q1 2026 | 59 | $369.9M | 8.36% | 0.93% | 0.52% | 58.1% |
| Q4 2025 | 60 | $367.5M | 8.29% | 0.82% | 0.51% | 58.0% |
| Q3 2025 | 59 | $364.3M | 8.29% | 0.87% | 0.48% | 59.0% |
| Q2 2025 | 58 | $357.4M | 8.06% | 0.80% | 0.38% | 58.7% |
| Q1 2025 | 57 | $358.9M | 8.03% | 0.82% | 0.34% | 57.2% |
| Q4 2024 | 57 | $353.1M | 8.32% | 0.84% | 0.22% | 57.3% |
| Q3 2024 | 56 | $366.6M | 8.36% | 0.91% | 0.16% | 55.2% |
| Q2 2024 | 55 | $346.0M | 8.50% | 0.92% | 0.12% | 56.7% |
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).
Similar-size banks in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| West View Savings BankBank Pittsburgh, PA | 71 out of 100, Strong | $365.1M | 9.4% | 0.00% | vs |
| Citizens Savings BankBank Clarks Summit, PA | 78 out of 100, Strong | $359.0M | 15.1% | 0.27% | vs |
| Commercial Bank and Trust of PABank Latrobe, PA | 86 out of 100, Very strong | $357.5M | 14.7% | 0.14% | vs |
| Fleetwood BankBank Fleetwood, PA | 63 out of 100, Moderate | $415.6M | 7.8% | 0.56% | vs |
| The Bank of LandisburgBank Landisburg, PA | 80 out of 100, Strong | $417.1M | 17.0% | 1.61% | vs |
| Marion Center BankBank Indiana, PA | 55 out of 100, Moderate | $425.2M | 7.9% | 1.01% | vs |
Deposit insurance
Is my money safe at First United National Bank?
Yes. First United National Bank is an FDIC-insured institution (FDIC certificate #7886). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.9% of deposits ($61.4M) 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 8.16%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.35% (benchmark: 10%).
7 locations
Branches
First United National Bank lists 7 offices in 7 cities. Most locations:
- Clarion, PA (1)
- Cranberry, PA (1)
- Franklin, PA (1)
- Fryburg, PA (1)
- New Bethlehem, PA (1)
- Oil City, PA (1)
- Tionesta, PA (1)
Identity & history
Profile
- Legal name
- First United National Bank
- Former names
- The First National Bank of Fryburg
- Type
- National bank
- FDIC certificate #
- 7886
- RSSD ID
- 127224
- Primary regulator
- OCC
- Holding company
- Fryburg Banking Co Inc
- Established
- August 2, 1909
- Headquarters
- 19535 Route 208, Fryburg, PA 16326
- Website
- www.fun-bank.com
- Employees
- 68
Quick answers
First United National Bank: common questions
Is First United National Bank FDIC insured?
Yes. First United National Bank is an FDIC-insured institution (FDIC certificate #7886). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First United National Bank's TellerScore?
59 out of 100 (Moderate), 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 National Bank ever failed?
There is no failure record for FDIC certificate #7886 in the FDIC failed bank list.
How many branches does First United National Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fryburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community Connect Federal Credit UnionCredit union Titusville, PA | 82 out of 100, Strong | $27.4M | 12.7% | 0.59% | vs |
| Pennstar Federal Credit UnionCredit union Hermitage, PA | 81 out of 100, Strong | $58.7M | 15.6% | 1.01% | vs |
| Priority First Federal Credit UnionCredit union Du Bois, PA | 77 out of 100, Strong | $187.3M | 12.1% | 0.81% | vs |
| New Directions Community Credit UnionCredit union Franklin, PA | 75 out of 100, Strong | $40.7M | 14.5% | 0.76% | vs |
| Top Tier Federal Credit UnionCredit union Clarion, PA | 71 out of 100, Strong | $277.5M | 10.0% | 0.60% | vs |
| S&T BankBank Indiana, PA | 70 out of 100, Strong | $9.9B | 11.0% | 0.50% | vs |