Visbanking Logo
Skip to main content

First United Bank

IDRSSD: 1011955
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 1011955 held $739.6M in total assets as of 2026-03-31 (+2.2% quarter-over-quarter). Total loans stood at $515.1M (-1.9% QoQ) and total deposits at $639.8M (+3.1% QoQ).

Overall position is adequate — the composite Health Score is 52/100 (Adequate). Tier 1 capital data is unavailable for this period. Asset quality (NPL ratio) sits in the top quartile of peers.

3 Quarterly Anomaly Alerts fired this quarter, including 2 critical-severity rows. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
52/100
Adequate
Active Alerts
3
2 critical, 1 warning
Total Assets
$739.6M
+2.2% QoQ
Total Loans
$515.1M
-1.9% QoQ
Total Deposits
$639.8M
+3.1% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
—
data pending↑ better
CET1 / RWA
0.00%
18th pctile · n=500↑ better
Total RBC / RWA
—
data pending↑ better
Tier 1 Leverage Ratio
0.00%
18th pctile · n=500↑ better

Liquidity

Cash / Assets
6.86%
50th pctile · n=500↑ better
+410 bp QoQ
Loans / Deposits
80.50%
44th pctile · n=499↓ better
-408 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.03%
13th pctile · n=500↓ better
-0 bp QoQ
NPA / Assets
0.11%
29th pctile · n=500↓ better
-1 bp QoQ
Texas Ratio (regulatory)
0.97%
29th pctile · n=500↓ better
-5 bp QoQ
Net Charge-Offs / Avg Loans
0.02%
68th pctile · n=500↓ better
+4 bp QoQ
ALLL Coverage of NPL
5007.69%
96th pctile · n=500↑ better
+84497 bp QoQ

Earnings

Net Interest Margin
3.74%
47th pctile · n=500↑ better
+3 bp QoQ
Return on Assets
1.35%
59th pctile · n=500↑ better
+6 bp QoQ
Return on Equity
13.09%
57th pctile · n=500↑ better
+58 bp QoQ
Efficiency Ratio
60.63%
43th pctile · n=500↓ better
-74 bp QoQ
Pre-tax NOI / Avg Assets
1.35%
44th pctile · n=500↑ better
+6 bp QoQ

Funding

Brokered / Deposits
2.34%
61th pctile · n=499↓ better
-313 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
2.89%
63th pctile · n=500↓ better
-64 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
18.01%
57th pctile · n=500↑ better
-50 bp QoQ
AFS Securities / Assets
18.00%
64th pctile · n=500↑ better
-49 bp QoQ
HTM Securities / Assets
0.00%
30th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 01:14:41 UTC