BlastPoint's Banking Scorecard
First United Bank
Community
Specialty: Agricultural
ND
FDIC cert 15472
Park River, ND
1484
banks in Community tier nationally
17 in ND
View Community leaderboard (ND) →
First United Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.60% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 8% in Community
- - Flatlined Growth: Bottom 39% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$723.7M
-1.6% YoY
+0.7% QoQ
|
-$667.8M |
$1.4B
+2.0% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$525.1M
+1.3% YoY
+2.4% QoQ
|
-$450.4M |
$975.5M
+2.4% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$620.7M
+0.1% YoY
+3.4% QoQ
|
-$543.9M |
$1.2B
+1.7% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
1.34%
+16.2% YoY
-1.3% QoQ
|
+0.17% |
1.16%
+17.2% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
3.56%
+8.0% YoY
+1.4% QoQ
|
-0.11% |
3.66%
+9.1% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
59.06%
-1.9% YoY
+1.4% QoQ
|
-3.57% |
62.63%
-5.3% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.03%
-75.3% YoY
-93.3% QoQ
|
-0.60% |
0.63%
+18.3% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
84.59%
+1.2% YoY
-1.0% QoQ
|
+1.53% |
83.06%
+0.3% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
21.15%
+1.9% YoY
+8.6% QoQ
|
+0.11% |
21.05%
-0.9% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.11%
+17.1% YoY
-67.1% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.33%
+0.2% YoY
+31.9% QoQ
|
-0.41% |
0.74%
-1.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 9%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.63%, National avg: 0.66%)
Concerns (2)
Capital Thin
risk
#37 of 432 · Bottom 8% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#97 of 245 · Bottom 39% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.34%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
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
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
65
65th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.16%
60
60th pctile
Efficiency Ratio
Current: 59.06% · Tier avg: 62.63%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.15% · Tier avg: 21.05%
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.59% · Tier avg: 83.06%
44
44th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
34
34th pctile
Total Loans
Current: $525.1M · Tier avg: $975.5M
30
30th pctile
Total Deposits
Current: $620.7M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Total Assets
Current: $723.7M · Tier avg: $1.4B
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
Top Weaknesses
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
29
29th pctile
Total Assets
Current: $723.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Total Deposits
Current: $620.7M · Tier avg: $1.2B
34
34th pctile
Total Loans
Current: $525.1M · Tier avg: $975.5M
44
44th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.59% · Tier avg: 83.06%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.15% · Tier avg: 21.05%
60
60th pctile
Efficiency Ratio
Current: 59.06% · Tier avg: 62.63%
65
65th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.16%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%