First United Bank
Park River, ND
IDRSSD: 1011955
Total Assets
$723.67M
Latest filing
Total Deposits
$620.74M
Latest filing
Net Interest Margin
3.71%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First United Bank
503 Briggs Ave S
Park River, ND 58270
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1886FDIC Certificate 9778
Branches (15)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| First United Bank (Main) | 503 Briggs Ave S | Park River, ND |
| ANETA BRANCH | 205 Main Ave | Aneta, ND |
| PETERSBURG BRANCH | 202 South Fifth Street | Petersburg, ND |
| GRAFTON BRANCH | 1011 W 11th St | Grafton, ND |
| SHARON BRANCH | 312 Main St | Sharon, ND |
| DEVILS LAKE BRANCH | 300 4th St Ne | Devils Lake, ND |
| FARGO BRANCH | 3232 25th St S | Fargo, ND |
| CAVALIER BRANCH | 200 Main St W | Cavalier, ND |
Showing 7 of 15
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 | 01/01/1886 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 58270 |
| State and County Number | 38099 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 97 |
| Domestic Offices | 16 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.firstunitedonline.com |
| Data Updated | 01/30/2026 |
| CERT | 15472 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $723.67M |
| Total Deposits | $620.74M |
| Total Liabilities | $648.54M |
| Total Equity Capital | $75.13M |
| Net Income | $2.32M |
| Net Loans and Leases | $525.08M |
| Assets Per Employee ($Millions) | $7.7M |
| Bank Premises and Fixed Assets | $6.61M |
| Cash and Balances due from Depository Institutions | $20.00M |
| Deposits Held in Domestic Offices | $620.74M |
Key Performance Ratios
| Return on Assets (ROA) | 1.29% |
| Return on Equity (ROE) | 12.51% |
| Net Interest Margin | 3.71% |
| Efficiency Ratio | 61.37% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.381% |
| Earning Assets to total Assets | 91.41% |
Income and Expense
| Total Interest Income | $9.40M |
| Total Noninterest Income | $592.00k |
| Total Interest Expense | $3.26M |
| Total Noninterest Expense | $4.22M |
| Net Interest Income | $6.14M |
| Pre-tax Net Operating Income | $2.51M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $644.00k |
| Other borrowed funds | $22.90M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.91M |
| Total Liabilities and Capital | $723.67M |
Securities
| Securities | $133.91M |
| Available-for-sale debt securities | $133.84M |
| 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?
$723.67M as of the latest filing.
How much are First United Bank's total deposits?
$620.74M in total deposits.
Where is First United Bank located?
Park River, ND.
What is the Net Interest Margin?
3.71%.
How many domestic offices does it operate?
16.
When was it established?
01/01/1886.
What is the Return on Assets (ROA)?
1.29%.
How much are total loans and leases?
$525.08M (latest filing).
What is the total interest income (latest filing)?
$9.40M.