Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

FIRST UNITED BANK

FDIC #12769 · TX · period 20260630

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Total assets1,115,952-7.30% YoY

Total deposits937,456-8.98% YoY

Net loans and leases710,194-6.33% YoY

Return on assets1.98%+38.66% YoY

Return on equity16.98%+26.15% YoY

Net interest margin3.92%+6.32% YoY

Peer position

Return on assets89thstrength · n=902

Return on equity90thstrength · n=894

Net interest margin70thin line · n=902

Equity to assets52ndin line · n=894

Noncurrent loans60thin line · n=887

Liquid assets83rdstrength · n=895

Brokered deposits100thstrength · n=890

Loans to deposits85thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,115,952	937,456	710,194	1.98	16.98	3.92
2016-06-30	1,141,530	888,183	753,684	1.70	14.47	3.89
2016-09-30	1,173,662	908,164	778,549	1.69	14.40	3.91
2016-12-31	1,216,919	978,092	767,867	1.64	14.17	3.87
2017-03-31	1,203,846	1,029,921	758,149	1.43	13.46	3.69
2017-06-30	1,210,807	1,004,571	790,201	1.45	13.85	3.74
2017-09-30	1,236,906	971,189	832,272	1.54	14.78	3.79
2017-12-31	1,273,169	1,101,262	832,591	1.51	14.58	3.83
2018-03-31	1,255,222	1,072,088	831,468	1.51	15.14	3.87
2018-06-30	1,267,984	1,025,431	861,993	1.62	16.27	3.90
2018-09-30	1,285,855	1,034,284	879,207	1.71	17.20	3.94
2018-12-31	1,315,753	1,108,104	903,987	1.74	17.45	3.97
2019-03-31	1,346,857	1,126,798	916,199	1.87	18.02	4.03
2019-06-30	1,353,707	1,072,106	939,922	1.94	18.51	4.03
2019-09-30	1,358,402	1,072,979	957,277	1.99	18.81	4.07
2019-12-31	1,370,041	1,170,680	955,629	1.97	18.37	4.08
2020-03-31	1,407,279	1,208,170	967,069	1.81	16.01	4.00
2020-06-30	1,551,703	1,332,903	1,113,887	1.99	18.04	4.06
2020-09-30	1,526,924	1,289,116	1,120,227	2.05	18.73	4.05
2020-12-31	1,569,457	1,384,567	1,070,972	2.06	18.70	4.08
2021-03-31	1,624,667	1,439,691	1,074,383	2.07	18.98	3.90
2021-06-30	1,637,912	1,415,757	1,094,420	2.03	18.75	3.85
2021-09-30	1,866,114	1,667,411	1,084,087	3.06	28.88	4.92
2021-12-31	2,006,835	1,805,598	1,095,186	2.69	26.10	4.56
2022-03-31	2,055,145	1,871,858	1,088,166	1.90	22.59	3.26
2022-06-30	2,097,047	1,842,140	1,157,830	1.80	21.74	3.31
2022-09-30	2,103,166	1,865,651	1,183,807	1.82	23.22	3.38
2022-12-31	2,146,467	1,834,246	1,216,000	1.75	22.60	3.37
2023-03-31	2,133,030	1,854,990	1,224,415	1.28	16.78	3.03
2023-06-30	2,185,300	1,781,611	1,285,295	1.30	17.14	2.96
2023-09-30	2,156,583	1,784,372	1,326,642	1.35	18.17	3.00
2023-12-31	2,195,446	1,818,051	1,338,057	1.34	17.75	3.02
2024-03-31	2,142,473	1,815,054	1,337,695	1.40	16.98	3.13
2024-06-30	2,151,591	1,733,902	1,367,663	1.48	17.66	3.22
2024-09-30	2,161,162	1,762,097	1,364,601	1.52	17.64	3.25
2024-12-31	2,134,481	1,804,944	1,367,166	1.48	16.87	3.31
2025-03-31	2,403,413	2,174,098	1,450,769	1.47	16.29	3.55
2025-06-30	2,364,266	2,116,306	1,449,300	1.60	17.61	3.74
2025-09-30	2,400,376	2,123,556	1,481,331	1.71	18.58	3.83
2025-12-31	2,451,820	2,184,192	1,477,815	1.76	18.78	3.88
2026-03-31	2,449,456	2,184,778	1,468,362	1.97	19.62	3.93
2026-06-30	2,409,073	2,134,620	1,490,496	2.03	19.85	4.02

Structure and branch footprint

25 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2025-02-28	7	645465	578255
2021-09-01	1	749952	578255
2007-01-01	1	561958	578255
2000-07-14	1	350460	578255
1994-12-01	1	825856	578255
1991-01-25	1	236564	578255
1989-01-27	50	588450	578255

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.