BlastPoint's Banking Scorecard
First United Bank
Community
Specialty: Commercial
TX
FDIC cert 12769
Dimmitt, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First United Bank shows strong momentum with 1 strength and 14.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 45% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
+14.9% YoY
+2.1% QoQ
|
+$1.1B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$1.5B
+8.1% YoY
-0.2% QoQ
|
+$502.3M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$2.2B
+21.0% YoY
+2.9% QoQ
|
+$1.0B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
1.76%
+19.1% YoY
+3.0% QoQ
|
+0.60% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
3.88%
+17.1% YoY
+1.2% QoQ
|
+0.22% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
53.41%
-6.7% YoY
-1.4% QoQ
|
-9.23% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.75%
-1.0% YoY
-13.0% QoQ
|
+0.12% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
67.66%
-10.7% YoY
-3.0% QoQ
|
-15.40% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
29.01%
-0.5% YoY
-1.0% QoQ
|
+7.96% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
1.31%
-10.9% YoY
-7.0% QoQ
|
+0.81% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? |
15.56%
-3.6% YoY
+4.8% QoQ
|
+5.31% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.55%
+0.4% YoY
+33.3% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#169 of 371 · Top 45% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.76%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
85
85th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.16%
85
85th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.66% · Tier avg: 83.06%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.01% · Tier avg: 21.05%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
80
80th pctile
Tier 1 Capital Ratio
Current: 15.56% · Tier avg: 10.24%
76
76th pctile
Efficiency Ratio
Current: 53.41% · Tier avg: 62.63%
65
65th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.66%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
34
34th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.63%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.31% · Tier avg: 0.50%
Top Weaknesses
13
13th pctile
Nonperforming Asset Ratio
Current: 1.31% · Tier avg: 0.50%
34
34th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.63%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
65
65th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.66%
76
76th pctile
Efficiency Ratio
Current: 53.41% · Tier avg: 62.63%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.56% · Tier avg: 10.24%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.01% · Tier avg: 21.05%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.66% · Tier avg: 83.06%
85
85th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
85
85th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.16%
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B