First United Bank and Trust Company
Madisonville, KY
IDRSSD: 2356091
Total Assets
$593.98M
Latest filing
Total Deposits
$544.75M
Latest filing
Net Interest Margin
3.84%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First United Bank and Trust Company
162 N Main St
Madisonville, KY 42431
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/29/1996FDIC Certificate 56295
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First United Bank and Trust Company (Main) | 162 N Main St | Madisonville, KY |
| NORTHSIDE OFFICE BRANCH | 1080 N Main St | Madisonville, KY |
| EARLINGTON BRANCH | 101 E Main St | Earlington, KY |
| BEAVER DAM BRANCH | 1500 Bill Monroe Memorial Boulevard | Beaver Dam, KY |
| MARION KENTUCKY BRANCH | 305 N Main St | Marion, KY |
| PARRISH AVE. BRANCH | 3012 W Parrish Ave | Owensboro, KY |
| FREDERICA STREET BRANCH | 2800 Frederica St | Owensboro, KY |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/29/1996 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42431 |
| State and County Number | 21107 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Madisonville, KY |
Operational Info
| Number of Employees | 102 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/29/1996 |
| Primary Insurance Agency | DIF |
| Website | www.efirstunitedbank.com |
| Data Updated | 01/30/2026 |
| CERT | 34150 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $593.98M |
| Total Deposits | $544.75M |
| Total Liabilities | $559.88M |
| Total Equity Capital | $34.10M |
| Net Income | $1.79M |
| Net Loans and Leases | $400.38M |
| Assets Per Employee ($Millions) | $5.55M |
| Bank Premises and Fixed Assets | $8.04M |
| Cash and Balances due from Depository Institutions | $7.50M |
| Deposits Held in Domestic Offices | $544.75M |
Key Performance Ratios
| Return on Assets (ROA) | 1.21% |
| Return on Equity (ROE) | 21.53% |
| Net Interest Margin | 3.84% |
| Efficiency Ratio | 69.85% |
| Tier 1 Risk-Based Capital Ratio | 13.227% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.741% |
| Earning Assets to total Assets | 94.75% |
Income and Expense
| Total Interest Income | $8.18M |
| Total Noninterest Income | $944.00k |
| Total Interest Expense | $2.81M |
| Total Noninterest Expense | $4.47M |
| Net Interest Income | $5.37M |
| Pre-tax Net Operating Income | $1.78M |
| Provision for Credit Losses | $63.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $70.00k |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $24.92M |
| Federal Funds Purchased and Repurchased Agreement | $818.00k |
| All Other Liabilities | $4.31M |
| Total Liabilities and Capital | $593.98M |
Securities
| Securities | $136.64M |
| Available-for-sale debt securities | $136.64M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First United Bank and Trust Company?
$593.98M as of the latest filing.
How much are First United Bank and Trust Company's total deposits?
$544.75M in total deposits.
Where is First United Bank and Trust Company located?
Madisonville, KY.
What is the Net Interest Margin?
3.84%.
How many domestic offices does it operate?
7.
When was it established?
03/29/1996.
What is the Return on Assets (ROA)?
1.21%.
How much are total loans and leases?
$400.38M (latest filing).
What is the total interest income (latest filing)?
$8.18M.