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	N/A
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	94
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	11/14/2025
CERT	15472
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$718.99M
Total Deposits	$600.07M
Total Liabilities	$645.59M
Total Equity Capital	$73.41M
Net Income	$2.83M
Net Loans and Leases	$512.87M
Assets Per Employee ($Millions)	$7.41M
Bank Premises and Fixed Assets	$6.67M
Cash and Balances due from Depository Institutions	$12.99M
Deposits Held in Domestic Offices	$600.07M

Return on Assets (ROA)	1.58%
Return on Equity (ROE)	15.87%
Net Interest Margin	3.69%
Efficiency Ratio	57.02%
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	10.21%
Earning Assets to total Assets	92.4%

Total Interest Income	$9.36M
Total Noninterest Income	$664.00k
Total Interest Expense	$3.25M
Total Noninterest Expense	$3.95M
Net Interest Income	$6.11M
Pre-tax Net Operating Income	$2.83M
Provision for Credit Losses	$0
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$40.62M
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$4.89M
Total Liabilities and Capital	$718.99M

Securities	$149.40M
Available-for-sale debt securities	$149.33M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of First United Bank?

$718.99M as of the latest filing.

How much are First United Bank's total deposits?

$600.07M in total deposits.

Where is First United Bank located?

Park River, ND.

What is the Net Interest Margin?

3.69%.

How many domestic offices does it operate?

16.

When was it established?

01/01/1886.

What is the Return on Assets (ROA)?

1.58%.

How much are total loans and leases?

$512.87M (latest filing).

What is the total interest income (latest filing)?

$9.36M.