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First United Bank And Trust Company
Madisonville, KY · FDIC Certificate #34150 · Chartered 03/2
Total assets
$591.36M
Total deposits
$525.05M
Total equity
$36.14M
Net loans
$396.52M
Branches (offices)
7
Net income (YTD)
$4.33M
Rank: #1,577 of 4,213 U.S. banks by assets · #30 of 120 in Kentucky. Assets changed 0.4% and deposits -2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.45% |
| Return on equity | 24.62% |
| Net interest margin (YTD) | 3.94% |
| Equity to assets | 6.11% |
| Tier 1 leverage ratio | 9.53% |
| Uninsured deposits (share of deposits) | 15.9% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 75.5% |
| Real estate loans (share of loans) | 79.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $314.75M | 79.4% | |
| Commercial & industrial | $65.05M | 16.4% | |
| Consumer / individual | $5.34M | 1.3% | |
| Construction & development | $23.23M | 5.9% | |
| Agricultural | $6.53M | 1.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $488.83M | $457.09M | $2.91M | $27.35M |
| Jun 2023 | $544.38M | $505.48M | $2.17M | $22.74M |
| Jun 2024 | $554.29M | $515.37M | $2.12M | $24.65M |
| Jun 2025 | $589.18M | $535.96M | $3.10M | $28.51M |
| Jun 2026 | $591.36M | $525.05M | $4.33M | $36.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $525.05M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $525.05M.
Similar-sized banks
Insouth Bank ($591.89M) · Lee Bank ($591.16M)
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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