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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Fryburg, PA · FDIC certificate #7886
FIRST UNITED NATIONAL BANK is an FDIC-insured institution based in Fryburg, PA (FDIC certificate #7886). In its Q3 2026 Call Report it reported total assets of $384M, total deposits of $362M and net loans of $212M. Its primary federal regulator is OCC.
Plain-language readout
FIRST UNITED NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $386M in Q2 2026 and were lowest at $370M in Q1 2026.
Total deposits were highest at $363M in Q2 2026 and lowest at $347M in Q1 2026.
Over the whole period total assets rose 3.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $384M | $362M | $212M | 0.73% | 12.99% | 3.13% |
| Q2 2026 | $386M | $363M | $205M | 0.65% | 11.34% | 3.05% |
| Q1 2026 | $370M | $347M | $202M | 0.52% | 8.97% | 2.92% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $60.0M | $41.5M | +$18.5M | +44.7% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $104.6M | $110.3M | -$5.7M | -5.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $204.6M | $201.7M | +$2.9M | +1.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.1M | $4.0M | +$41K | +1.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $225K | $225K | $0K | 0.0% |
| All other assets | $12.4M | $12.3M | +$100K | +0.8% |
| Total assets | $385.8M | $369.9M | +$15.9M | +4.3% |
| Liabilities | ||||
| Total deposits | $362.6M | $347.0M | +$15.6M | +4.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.5M | -$107K | -7.0% |
| Total liabilities | $364.0M | $348.5M | +$15.5M | +4.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $584K | $584K | $0K | 0.0% |
| Surplus | $2.1M | $2.1M | $0K | 0.0% |
| Retained earnings | $29.9M | $29.3M | +$628K | +2.1% |
| Accumulated other comprehensive income | -$10.8M | -$10.6M | -$210K | -2.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $21.8M | $21.4M | +$418K | +2.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.9M | $1.9M | $0K | 0.0% |
| Adjusted nonperforming assets | $1.9M | $1.9M | $0K | 0.0% |
| Tangible equity plus allowance | $22.7M | $22.3M | +$418K | +1.9% |
| Texas ratio (gross) | 8.28% | 8.44% | -0.16 pts | See points |
| Texas ratio (adjusted) | 8.28% | 8.44% | -0.16 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 8.42% | 8.57% | -0.15 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.79% | 16.58% | +0.20 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.79% | 16.58% | +0.20 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.56% | 0.57% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.35% | 17.15% | +0.20 pts | See points |
| Tier 1 leverage (approximate) | 8.16% | 8.36% | -0.20 pts | See points |
| Construction and land loans to total capital | 10.71% | 10.32% | +0.39 pts | See points |
| Commercial real estate to total capital | 19.91% | 18.33% | +1.58 pts | See points |
| Dividend payout, year to date | 18.44% | 23.53% | -5.09 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -42.23% | -42.23% | +0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $338.3M | $322.6M | +$15.7M | +4.9% |
| Non-core funding | $24.3M | $24.4M | -$162K | -0.7% |
| Loans to core deposits | 60.80% | 62.86% | -2.06 pts | See points |
| Loans to deposits | 56.73% | 58.43% | -1.70 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 27.97% | 27.88% | +0.09 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $24.3M | $24.4M | -$162K | -0.7% |
| Earnings | ||||
| Earnings before provision, year to date | $1.4M | $564K | +$874K | +155.0% |
| Earnings before provision, single quarter | $874K | $564K | +$310K | +55.0% |
| Provision for credit losses, year to date | $67K | $48K | +$19K | +39.6% |
| Yield and cost | ||||
| Yield on loans and leases | 6.05% | 5.82% | +0.23 pts | See points |
| Yield on interest-bearing balances due from banks | 0.91% | 1.25% | -0.34 pts | See points |
| Total interest income to average assets | 4.03% | 3.89% | +0.15 pts | See points |
| Cost of interest-bearing transaction accounts | 0.25% | 0.21% | +0.04 pts | See points |
| Cost of savings and money market deposits | 0.51% | 0.49% | +0.02 pts | See points |
| Cost of time deposits | 3.50% | 3.56% | -0.06 pts | See points |
| Total interest expense to average assets | 1.14% | 1.20% | -0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $384M | $362M | $212M | 0.73% | 12.99% | 3.13% |
| 2026-06-30 | $386M | $363M | $205M | 0.65% | 11.34% | 3.05% |
| 2026-03-31 | $370M | $347M | $202M | 0.52% | 8.97% | 2.92% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $339.2M | 0.06% | 99 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.