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First United Bank
Park River, ND · FDIC Certificate #15472 · Chartered 01/0
Total assets
$810.84M
Total deposits
$702.14M
Total equity
$84.56M
Net loans
$575.11M
Branches (offices)
19
Net income (YTD)
$6.31M
Rank: #1,243 of 4,213 U.S. banks by assets · #14 of 60 in North Dakota. Assets changed 13.8% and deposits 15.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.66% |
| Return on equity | 16.04% |
| Net interest margin (YTD) | 4.00% |
| Equity to assets | 10.43% |
| Tier 1 leverage ratio | 10.13% |
| Uninsured deposits (share of deposits) | 21.6% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 81.9% |
| Real estate loans (share of loans) | 48.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $278.80M | 48.5% | |
| Commercial & industrial | $59.62M | 10.4% | |
| Consumer / individual | $14.11M | 2.5% | |
| Construction & development | $15.50M | 2.7% | |
| Agricultural | $223.86M | 38.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $336.29M | $310.29M | $2.83M | $22.18M |
| Jun 2023 | $661.87M | $560.31M | $4.26M | $56.39M |
| Jun 2024 | $697.45M | $562.64M | $3.83M | $61.85M |
| Jun 2025 | $712.55M | $609.28M | $4.55M | $69.04M |
| Jun 2026 | $810.84M | $702.14M | $6.31M | $84.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $702.14M | 19 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $702.14M.
Similar-sized banks
Citizens 1St Bank ($810.98M) · First Bank ($810.51M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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