First United National Bank
Fryburg, PA
IDRSSD: 127224
Total Assets
$364.29M
Latest filing
Total Deposits
$342.50M
Latest filing
Net Interest Margin
2.79%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First United National Bank
19535 Route 208
Fryburg, PA 16326
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/02/1909FDIC Certificate 5059
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First United National Bank (Main) | 19535 Route 208 | Fryburg, PA |
| FRANKLIN BRANCH | 1153 Liberty St | Franklin, PA |
| OIL CITY BRANCH | 1 Central Ave | Oil City, PA |
| CLARION BRANCH | 400 Liberty St | Clarion, PA |
| NEW BETHLEHEM BRANCH | 706 Broad St | New Bethlehem, PA |
| CRANBERRY BRANCH | 112 Hoss Drive | Cranberry, PA |
Showing 5 of 5
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 08/02/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 16326 |
| State and County Number | 42031 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 64 |
| Domestic Offices | 6 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fun-bank.com |
| Data Updated | 11/14/2025 |
| CERT | 7886 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $364.29M |
| Total Deposits | $342.50M |
| Total Liabilities | $344.13M |
| Total Equity Capital | $20.17M |
| Net Income | $627.00k |
| Net Loans and Leases | $202.09M |
| Assets Per Employee ($Millions) | $5.78M |
| Bank Premises and Fixed Assets | $4.11M |
| Cash and Balances due from Depository Institutions | $28.42M |
| Deposits Held in Domestic Offices | $342.50M |
Key Performance Ratios
| Return on Assets (ROA) | 0.7% |
| Return on Equity (ROE) | 13.54% |
| Net Interest Margin | 2.79% |
| Efficiency Ratio | 72.62% |
| Tier 1 Risk-Based Capital Ratio | 16.296% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.536% |
| Earning Assets to total Assets | 94.85% |
Income and Expense
| Total Interest Income | $3.61M |
| Total Noninterest Income | $536.00k |
| Total Interest Expense | $1.23M |
| Total Noninterest Expense | $2.12M |
| Net Interest Income | $2.39M |
| Pre-tax Net Operating Income | $722.00k |
| Provision for Credit Losses | $78.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.62M |
| Total Liabilities and Capital | $364.29M |
Securities
| Securities | $117.23M |
| Available-for-sale debt securities | $117.23M |
| 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 |
Frequently Asked Questions
What are the total assets of First United National Bank?
$364.29M as of the latest filing.
How much are First United National Bank's total deposits?
$342.50M in total deposits.
Where is First United National Bank located?
Fryburg, PA.
What is the Net Interest Margin?
2.79%.
How many domestic offices does it operate?
6.
When was it established?
08/02/1909.
What is the Return on Assets (ROA)?
0.7%.
How much are total loans and leases?
$202.09M (latest filing).
What is the total interest income (latest filing)?
$3.61M.