First United Bank And Trust Company Mortgage Rates, Fees & Info

Durant, OK

LEI: 549300DMHEHNYZ2OLB41

Tax ID: 73-0222372

2020 Data | 2019 Data | 2018 Data


Overview

First United Bank And Trust Company is a mid-sized bank specializing in Home Purchase and Refi loans. First United Bank And Trust Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Dallas, Houston, Austin, Oklahoma City, and Fort Worth among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. First United Bank And Trust Company is typically an average fee lendor.


Originations

15,757

Origination Dollar Volume (All Markets)

$5,330,665,000

Employee count

1,759

Relative Rate

First United Bank And Trust Company's average 30 year fixed rate mortgage was 3.29%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.07%.

Relative Fees

First United Bank And Trust Company's average total fees for a 30 year fixed rate mortgage are $5,332.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 12,708 $4,632,680,000 $364,548 $4,923 3.53%
FHA 1,773 $346,945,000 $195,682 $6,972 3.25%
VA 1,145 $330,925,000 $289,017 $6,801 3.02%
USDA 131 $20,115,000 $153,550 $4,942 3.13%

For the 2020 period, First United Bank And Trust Company's most frequently originated loan type was Conventional, with 12,708 originations. Their 2nd most popular type is FHA, with 1,773 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 9,287 $3,305,385,000 $355,915 $6,028 3.37%
Refi 4,419 $1,501,835,000 $339,859 $4,059 3.40%
Cash Out Refi 1,332 $435,410,000 $326,884 $4,884 3.47%
Other 489 $68,805,000 $140,706 $3,666 4.82%
Home Improvement 230 $19,230,000 $83,609 $2,283 5.16%

For the 2020, First United Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 9,287 originations. The 2nd most popular reason was Refi, with 4,419 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 11,446 $3,758,980,000 $328,410 $5,333 3.28%
15 Year 1,606 $381,620,000 $237,621 $3,806 3.24%
Other 969 $205,995,000 $212,585 $4,670 4.73%
20 Year 656 $156,320,000 $238,293 $3,783 3.78%
30+ year 511 $412,565,000 $807,368 $12,298 3.63%
5 Year 203 $340,695,000 $1,678,300 $1,563 4.94%
10 Year 195 $37,835,000 $194,026 $3,208 4.32%
1 Year 157 $28,395,000 $180,860 $3,305 5.26%
3 Year 14 $8,260,000 $590,000 $502 5.07%

For the 2020, First United Bank And Trust Company's most frequently cited loan length was 30 Year, with 11,446 originations. The 2nd most popular length was 15 Year, with 1,606 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 9,274 $3,088,200,000 $332,995
$1k-2k 2,796 $685,600,000 $245,207
$2k-3k 694 $227,460,000 $327,752
$3k-4k 595 $256,445,000 $431,000
$5k+ 453 $389,535,000 $859,901

$5,332 was First United Bank And Trust Company's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 9,274 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
DALLAS-PLANO-IRVING, TX 2,585 $1,145,435,000 $443,108 $5,668 3.42%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 1,388 $702,800,000 $506,340 $6,436 3.21%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 1,105 $656,165,000 $593,814 $6,596 3.22%
OKLAHOMA CITY, OK 2,806 $593,690,000 $211,579 $4,360 3.52%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 1,817 $575,935,000 $316,970 $5,452 3.36%
Outside of Metro Areas 2,413 $505,785,000 $209,608 $4,343 3.90%
SAN ANTONIO-NEW BRAUNFELS, TX 754 $438,280,000 $581,273 $6,378 3.29%
TULSA, OK 1,733 $383,715,000 $221,417 $5,273 3.26%
SHERMAN-DENISON, TX 419 $103,765,000 $247,649 $4,737 4.05%
LAWTON, OK 395 $73,335,000 $185,658 $5,513 3.14%
WACO, TX 15 $39,885,000 $2,659,000 $5,438 3.62%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 11 $9,775,000 $888,636 $8,014 3.36%
KILLEEN-TEMPLE, TX 22 $7,810,000 $355,000 $5,325 3.71%
CORPUS CHRISTI, TX 22 $6,470,000 $294,091 $5,154 3.48%
COLLEGE STATION-BRYAN, TX 15 $5,655,000 $377,000 $4,965 3.29%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 1 $5,605,000 $5,605,000 $25,268 2.88%
DENVER-AURORA-LAKEWOOD, CO 11 $4,915,000 $446,818 $5,746 3.13%
PHOENIX-MESA-CHANDLER, AZ 13 $4,505,000 $346,538 $4,810 3.16%
KANSAS CITY, MO-KS 13 $3,855,000 $296,538 $2,893 3.23%
MIDLAND, TX 14 $3,680,000 $262,857 $4,292 3.27%
BATON ROUGE, LA 9 $2,785,000 $309,444 $4,641 3.36%
TYLER, TX 13 $2,645,000 $203,462 $4,120 3.51%
LUBBOCK, TX 11 $2,365,000 $215,000 $4,395 3.19%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 7 $2,225,000 $317,857 $5,224 3.23%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 6 $2,140,000 $356,667 $5,081 3.23%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 4 $1,730,000 $432,500 $4,939 3.09%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 5 $1,675,000 $335,000 $3,540 3.13%
ENID, OK 5 $1,635,000 $327,000 $6,434 3.40%
BROWNSVILLE-HARLINGEN, TX 5 $1,405,000 $281,000 $5,413 2.93%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 6 $1,360,000 $226,667 $3,617 3.50%
COLORADO SPRINGS, CO 3 $1,355,000 $451,667 $4,821 2.92%
ORLANDO-KISSIMMEE-SANFORD, FL 4 $1,330,000 $332,500 $3,928 3.16%
FORT COLLINS, CO 3 $1,325,000 $441,667 $3,230 3.29%
TUCSON, AZ 5 $1,295,000 $259,000 $6,219 2.98%
LOS ANGELES-LONG BEACH-GLENDALE, CA 3 $1,215,000 $405,000 $13,664 3.67%
WICHITA FALLS, TX 7 $1,145,000 $163,571 $5,861 3.99%
LONGVIEW, TX 3 $1,095,000 $365,000 $4,772 3.25%
AMARILLO, TX 3 $1,075,000 $358,333 $3,753 2.79%
JACKSON, MS 2 $1,010,000 $505,000 $4,285 3.31%
WICHITA, KS 6 $1,000,000 $166,667 $4,621 3.02%
SPRINGFIELD, MO 4 $840,000 $210,000 $2,162 3.03%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 2 $840,000 $420,000 $3,862 3.13%
SANTA FE, NM 3 $835,000 $278,333 $4,846 3.17%
AUGUSTA-RICHMOND COUNTY, GA-SC 2 $780,000 $390,000 $6,980 3.00%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 1 $765,000 $765,000 $4,175 3.13%
FORT SMITH, AR-OK 4 $690,000 $172,500 $3,755 3.63%
BALTIMORE-COLUMBIA-TOWSON, MD 2 $680,000 $340,000 $13,516 3.06%
ST. LOUIS, MO-IL 2 $680,000 $340,000 $2,796 2.94%
PALM BAY-MELBOURNE-TITUSVILLE, FL 2 $660,000 $330,000 $4,992 2.94%
ABILENE, TX 3 $595,000 $198,333 $6,557 3.29%
BUFFALO-CHEEKTOWAGA, NY 2 $590,000 $295,000 $5,846 3.19%
ASHEVILLE, NC 2 $580,000 $290,000 $3,065 3.56%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 2 $570,000 $285,000 $7,846 3.69%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 2 $560,000 $280,000 $3,758 3.31%
NEW ORLEANS-METAIRIE, LA 1 $555,000 $555,000 $10,777 3.00%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 1 $545,000 $545,000 $8,561 4.38%
LAS VEGAS-HENDERSON-PARADISE, NV 2 $540,000 $270,000 $6,733 2.81%
MEMPHIS, TN-MS-AR 2 $530,000 $265,000 $3,132 3.25%
TOPEKA, KS 2 $520,000 $260,000 $3,312 3.25%
CHARLESTON-NORTH CHARLESTON, SC 1 $515,000 $515,000 $4,282 3.00%
PENSACOLA-FERRY PASS-BRENT, FL 1 $515,000 $515,000 $3,984 2.75%
HUNTSVILLE, AL 1 $515,000 $515,000 $3,993 3.13%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 1 $505,000 $505,000 $4,123 3.00%
EUGENE-SPRINGFIELD, OR 1 $475,000 $475,000 $5,146 2.88%
SYRACUSE, NY 1 $475,000 $475,000 $3,958 3.88%
LEXINGTON-FAYETTE, KY 1 $455,000 $455,000 $4,377 3.38%
LAFAYETTE, LA 2 $450,000 $225,000 $3,791 3.06%
COLUMBIA, SC 1 $445,000 $445,000 $3,029 3.25%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 1 $435,000 $435,000 $4,223 3.25%
LAKE HAVASU CITY-KINGMAN, AZ 1 $405,000 $405,000 $0 3.00%
HILTON HEAD ISLAND-BLUFFTON, SC 1 $405,000 $405,000 $2,794 3.13%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 1 $385,000 $385,000 $4,583 3.00%
CINCINNATI, OH-KY-IN 2 $380,000 $190,000 $3,937 3.38%
THE VILLAGES, FL 1 $365,000 $365,000 $3,178 2.63%
MIAMI-MIAMI BEACH-KENDALL, FL 1 $355,000 $355,000 $5,157 3.13%
PRESCOTT VALLEY-PRESCOTT, AZ 1 $335,000 $335,000 $2,518 3.25%
REDDING, CA 1 $335,000 $335,000 $6,123 3.00%
PHILADELPHIA, PA 1 $335,000 $335,000 $5,303 2.63%
BAKERSFIELD, CA 1 $325,000 $325,000 $4,139 2.88%
CHATTANOOGA, TN-GA 1 $305,000 $305,000 $3,466 2.75%
JACKSONVILLE, FL 1 $305,000 $305,000 $14,384 2.75%
CAPE CORAL-FORT MYERS, FL 1 $295,000 $295,000 $4,674 3.88%
FORT WAYNE, IN 1 $295,000 $295,000 $3,887 2.88%
SAN ANGELO, TX 2 $290,000 $145,000 $3,585 3.81%
WARREN-TROY-FARMINGTON HILLS, MI 1 $285,000 $285,000 $2,551 3.38%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 1 $275,000 $275,000 $2,973 3.38%
GRAND JUNCTION, CO 1 $275,000 $275,000 $4,002 2.88%
KNOXVILLE, TN 1 $275,000 $275,000 $3,754 2.88%
FAYETTEVILLE, NC 1 $265,000 $265,000 $13,662 2.38%
GREELEY, CO 1 $255,000 $255,000 $3,517 3.50%
PORT ST. LUCIE, FL 1 $245,000 $245,000 $4,160 3.13%
HOT SPRINGS, AR 1 $245,000 $245,000 $3,348 2.88%
GULFPORT-BILOXI, MS 1 $245,000 $245,000 $3,720 3.38%
GARY, IN 1 $245,000 $245,000 $2,834 3.38%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 1 $235,000 $235,000 $13,126 2.75%
MANHATTAN, KS 1 $235,000 $235,000 $2,807 3.25%
NORTH PORT-SARASOTA-BRADENTON, FL 1 $225,000 $225,000 $4,446 2.38%
PANAMA CITY, FL 1 $225,000 $225,000 $4,554 3.13%
CHAMPAIGN-URBANA, IL 1 $215,000 $215,000 $2,941 2.88%
ANAHEIM-SANTA ANA-IRVINE, CA 1 $205,000 $205,000 $3,283 2.88%
COLUMBUS, GA-AL 1 $205,000 $205,000 $4,288 3.13%
BOULDER, CO 1 $205,000 $205,000 $4,056 2.88%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 1 $195,000 $195,000 $4,452 3.88%
LAREDO, TX 1 $175,000 $175,000 $6,112 3.63%
SPARTANBURG, SC 1 $175,000 $175,000 $2,681 3.50%
COLUMBUS, OH 1 $165,000 $165,000 $3,726 3.75%
BOISE CITY, ID 1 $155,000 $155,000 $3,786 3.13%
DANVILLE, IL 1 $135,000 $135,000 $2,434 2.75%
TEXARKANA, TX-AR 1 $115,000 $115,000 $3,235 3.63%
VICTORIA, TX 1 $65,000 $65,000 $0 5.25%

First United Bank And Trust Company's top markets include Dallas, Houston, Austin, Oklahoma City, and Fort Worth among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 8,284 $3,331,470,000 $402,157
2.5-3% 4,756 $1,404,290,000 $295,267
4-5% 1,738 $422,450,000 $243,067
5-6% 528 $72,640,000 $137,576
<2.5% 321 $91,975,000 $286,526
6-7% 86 $5,290,000 $61,512
7-8% 25 $1,725,000 $69,000
Over 8% 19 $825,000 $43,421

During 2020, First United Bank And Trust Company's average interest rate was 3.29%, while their most frequently originated rate bucket was 3-4%, with 8,284 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 6,377 $1,790,095,000 $280,711 $5,107 3.24%
$100k-200k 4,094 $628,340,000 $153,478 $4,283 3.48%
$400k-600k 2,141 $1,033,235,000 $482,595 $5,919 3.27%
$100,000 or less 1,604 $100,270,000 $62,512 $3,089 4.50%
$600k-1MM 1,099 $823,995,000 $749,768 $7,930 3.41%
$1MM+ 442 $954,730,000 $2,160,023 $12,515 3.44%

2020 saw First United Bank And Trust Company place emphasis on $200k-400k loans with 6,377 originations, totaling $1,790,095,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 3,324 $939,250,000 $282,566 $4,926 3.38%
$150k-250k 2,918 $1,152,040,000 $394,805 $5,565 3.42%
$50k-75k 2,643 $478,955,000 $181,216 $4,893 3.42%
$75k-100k 2,353 $527,815,000 $224,316 $5,010 3.39%
$250k+ 2,219 $1,486,795,000 $670,029 $7,516 3.42%
$50k or less 1,573 $209,175,000 $132,978 $4,366 3.50%

First United Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 3,324 originations. The second most popular income band? $150k-250k, with 2,918 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 3,695 $1,199,395,000 $324,599 $4,946 3.39%
30-36% 3,039 $1,025,195,000 $337,346 $5,439 3.41%
<20% 1,423 $447,565,000 $314,522 $4,742 3.52%
37% 559 $202,085,000 $361,512 $5,581 3.38%
41% 551 $201,765,000 $366,180 $5,866 3.45%
42% 542 $206,910,000 $381,753 $5,883 3.52%
38% 542 $174,920,000 $322,731 $5,442 3.40%
40% 541 $190,175,000 $351,525 $5,665 3.43%
39% 541 $186,735,000 $345,166 $5,650 3.35%
50-60% 540 $137,490,000 $254,611 $7,698 3.20%
36% 505 $168,345,000 $333,356 $5,447 3.41%
44% 484 $128,410,000 $265,310 $5,206 3.35%
43% 403 $108,775,000 $269,913 $5,179 3.33%
49% 332 $86,660,000 $261,024 $5,246 3.19%
45% 325 $85,465,000 $262,969 $5,019 3.28%
47% 282 $70,400,000 $249,645 $5,196 3.28%
46% 271 $74,515,000 $274,963 $5,292 3.26%
48% 264 $66,530,000 $252,008 $5,429 3.26%
>60% 28 $7,860,000 $280,714 $5,851 4.14%

First United Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 3,695 originations. The next most common DTI ratio? 30-36%, with 3,039 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 11,486 $3,691,540,000 $321,395 $5,287 3.43%
Not provided 2,184 $697,760,000 $319,487 $5,447 3.40%
Not applicable 460 $465,620,000 $1,012,217 $2,806 4.88%
Asian 646 $237,490,000 $367,632 $5,836 3.24%
Black 454 $125,410,000 $276,233 $5,676 3.38%
American Indian 501 $105,865,000 $211,307 $5,183 3.26%
Native Hawaiian 25 $6,905,000 $276,200 $5,549 3.49%
Vietnamese 1 $75,000 $75,000 $0 4.75%

Approval Rates

Total approvals of all applications
95.01%

First United Bank And Trust Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
75.86%

First United Bank And Trust Company has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 15,757 $5,330,665,000 $338,305

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Manufactured 3 $2,945,000 $981,667
Multifamily:Site-Built 85 $395,635,000 $4,654,529
Single Family (1-4 Units):Manufactured 72 $5,940,000 $82,500
Single Family (1-4 Units):Site-Built 15,597 $4,926,145,000 $315,839

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 681 $124,525,000 $182,856 $3,942 3.97%
40-60% 1,526 $718,870,000 $471,081 $4,485 3.46%
60-80% 5,199 $2,043,375,000 $393,032 $4,934 3.48%
80-100% 7,751 $2,348,235,000 $302,959 $5,624 3.34%
Over 100% 253 $75,265,000 $297,490 $11,496 3.05%
Under 20% 346 $20,380,000 $58,902 $2,507 4.88%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
First United Bank and Trust Company 1 East Taft Avenue Sapulpa, OK 74066 Full Service B&M $8,029
First United Bank and Trust Company 10526 West Parmer Lane Austin, TX 78717 Full Service B&M $51,649
First United Bank and Trust Company 10731 South Western Avenue Oklahoma City, OK 73170 Full Service B&M $102,996
First United Bank and Trust Company 120 West Sam Rayburn Drive Bonham, TX 75418 Full Service B&M $100,105
First United Bank and Trust Company 1221 Arlington Ada, OK 74820 Full Service B&M $16,244
First United Bank and Trust Company 1318 South Hwy 16 Fredericksburg, TX 78624 Full Service B&M $32,962
First United Bank and Trust Company 1400 West Main Street Durant, OK 74701 Full Service B&M $1,515,179
First United Bank and Trust Company 1403 West Chapman Drive Sanger, TX 76266 Full Service B&M $72,570
First United Bank and Trust Company 1410 North First Avenue Durant, OK 74701 Full Service B&M $7,480
First United Bank and Trust Company 1517 Centre Place Drive Denton, TX 76205 Full Service B&M $113,520
First United Bank and Trust Company 1539 East Court Street Seguin, TX 78155 Full Service B&M $54,375
First United Bank and Trust Company 1600 South Agnew Ave Oklahoma City, OK 73108 Full Service B&M $38,423
First United Bank and Trust Company 1700 Redbud Blvd Mckinney, TX 75069 Full Service B&M $151,370
First United Bank and Trust Company 1710 North Llano Fredericksburg, TX 78624 Full Service B&M $181,501
First United Bank and Trust Company 1845 Woodall Rogers Freeway Dallas, TX 75201 Full Service B&M $43,866
First United Bank and Trust Company 19099 Fm 2252 Garden Ridge, TX 78266 Full Service B&M $57,108
First United Bank and Trust Company 1913 Ranch Road 620 South Lakeway, TX 78734 Full Service B&M $107,853
First United Bank and Trust Company 200 North Austin Street Seguin, TX 78155 Full Service B&M $259,533
First United Bank and Trust Company 200 W Collins Street Leonard, TX 75452 Full Service B&M $42,705
First United Bank and Trust Company 2000 West Grant Pauls Valley, OK 73075 Full Service B&M $7,151
First United Bank and Trust Company 201 N. Milt Phillips Seminole, OK 74868 Full Service B&M $66,347
First United Bank and Trust Company 2011 Texoma Parkway Sherman, TX 75090 Full Service B&M $356,667
First United Bank and Trust Company 2025 West University Durant, OK 74701 Full Service B&M $37,608
First United Bank and Trust Company 20480 Hwy 46 Spring Branch, TX 78070 Full Service B&M $39,109
First United Bank and Trust Company 3326 Fm 120 Denison, TX 75020 Full Service B&M $77,847
First United Bank and Trust Company 400 North Travis Sherman, TX 75090 Full Service B&M $104,607
First United Bank and Trust Company 4008 Medical Parkway Austin, TX 78756 Full Service B&M $40,028
First United Bank and Trust Company 401 Taylor Street Sherman, TX 75090 Full Service B&M $3
First United Bank and Trust Company 418 Highway 281 Marble Falls, TX 78654 Full Service B&M $222,663
First United Bank and Trust Company 4439 North Kickapoo Avenue Shawnee, OK 74804 Full Service B&M $25,838
First United Bank and Trust Company 4917 Fm 3009 Schertz, TX 78154 Full Service B&M $87,245
First United Bank and Trust Company 4925 Southeast 44th Street Norman, OK 73072 Full Service B&M $34,841
First United Bank and Trust Company 5000 Texoma Parkway Sherman, TX 75090 Limited, Drive-thru $23,587
First United Bank and Trust Company 501 West Fm 120 Pottsboro, TX 75076 Full Service B&M $111,088
First United Bank and Trust Company 512 North Broadway Avenue Oklahoma City, OK 73102 Full Service B&M $53,670
First United Bank and Trust Company 570 Northwest 24th Avenue Norman, OK 73069 Full Service B&M $126,367
First United Bank and Trust Company 6000 South Western Avenue Oklahoma City, OK 73139 Full Service B&M $78,630
First United Bank and Trust Company 601 North Service Road Calera, OK 74730 Full Service B&M $88,580
First United Bank and Trust Company 6100 Preston Road Frisco, TX 75034 Full Service B&M $75,983
First United Bank and Trust Company 6401 South Custer Road Mckinney, TX 75071 Full Service B&M $151,478
First United Bank and Trust Company 6905 W Fm 2147 Horseshoe Bay, TX 78657 Full Service B&M $99,113
First United Bank and Trust Company 7050 Lebanon Road Frisco, TX 75034 Full Service B&M $23,791
First United Bank and Trust Company 7286 West Adams Avenue Temple, TX 76502 Full Service B&M $53,673
First United Bank and Trust Company 801 12th Avenue Northeast Norman, OK 73071 Full Service B&M $53,318
First United Bank and Trust Company 801 East Jackson Hugo, OK 74743 Full Service B&M $111,716
First United Bank and Trust Company 8201 Preston Road, Suite 265 Dallas, TX 75225 Full Service B&M $350,649
First United Bank and Trust Company 851 Hwy. 377n Whitesboro, TX 76273 Full Service B&M $79,825
First United Bank and Trust Company 901 North State Hwy 46 Seguin, TX 78155 Full Service B&M $26,155
First United Bank and Trust Company 931 West Main Street Denison, TX 75020 Full Service B&M $227,695
First United Bank and Trust Company 960 East Mccart Street Krum, TX 76249 Full Service B&M $75,950
First United Bank and Trust Company 100 North Preston Road Prosper, TX 75078 Full Service B&M $51,551
First United Bank and Trust Company 101 Burney Street Colbert, OK 74733 Full Service B&M $45,809
First United Bank and Trust Company 101 East Broadway Gainesville, TX 76240 Full Service B&M $75,540
First United Bank and Trust Company 102 East Main Street Holdenville, OK 74848 Full Service B&M $100,163
First United Bank and Trust Company 102 West Main Street Bokchito, OK 74726 Full Service B&M $31,860
First United Bank and Trust Company 3712 West Main Street Durant, OK 74701 Full Service B&M $9,051
First United Bank and Trust Company 2101 S I-35 Frontage Road Moore, OK 73160 Full Service B&M $43,114
First United Bank and Trust Company 221 West 12th Street Ada, OK 74820 Full Service B&M $768,755
First United Bank and Trust Company 223 South Mekusukey Avenue Wewoka, OK 74884 Full Service B&M $32,227
First United Bank and Trust Company 2600 N. Harrison St. Shawnee, OK 74804 Full Service B&M $158,856
First United Bank and Trust Company 2725 Bee Caves Rd Austin, TX 78746 Full Service B&M $110,274
First United Bank and Trust Company 2730 West University Drive Denton, TX 76201 Full Service B&M $84,016
First United Bank and Trust Company 300 West Lillie Boulevard Madill, OK 73446 Full Service B&M $73,970
First United Bank and Trust Company 301 North Broadway Tecumseh, OK 74873 Full Service B&M $55,581
First United Bank and Trust Company 311 Ranch Road 2900 Kingsland, TX 78639 Full Service B&M $43,284
First United Bank and Trust Company 315 East Dewey Sapulpa, OK 74066 Full Service B&M $88,808
First United Bank and Trust Company 315 West Grant Avenue Pauls Valley, OK 73075 Full Service B&M $88,414
First United Bank and Trust Company 317 6th Street Maysville, OK 73057 Full Service B&M $15,268
First United Bank and Trust Company 324 West Main Street Purcell, OK 73080 Full Service B&M $121,109

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $386,495
Net interest income $320,393
Total noninterest income $233,799
Gross Fiduciary activities income $353
Service charges on deposit accounts $15,697
Trading account gains and fees $0
Additional Noninterest Income $217,749
Pre-tax net operating income $139,386
Securities gains (or losses, -) $11,916
Income before extraordinary items $120,849
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $120,849
Minority interest net income $0
Net income $120,849
Sale, conversion, retirement of capital stock, net $0
Net operating income $111,316

Bank Expenses

Item Value (in 000's)
Total interest expense $66,102
Provision for credit losses $48,573
Total noninterest expense $366,233
Salaries and employee benefits $231,813
Premises and equipment expense $30,244
Additional noninterest expense $104,176
Applicable income taxes $30,453
Net charge-offs $9,072
Cash dividends $26,300

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 1.0%
Multifamily residential loans 0.0%
1-4 family residential loans 1.0%
HELOC loans 0.0%
All other family 1.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $8,448,842
Deposits held in domestic offices $8,448,842
Deposits by Individuals, partnerships, and corporations $6,563,531
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $1,779,985
Deposits by Commercial banks and other depository institutions in U.S. $105,326
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $1,048,446
Demand deposits $602,293
Nontransaction accounts $7,400,396
Money market deposit accounts (MMDAs) $5,235,722
Other savings deposits (excluding MMDAs) $510,559
Total time deposits $1,654,116
Total time and savings deposits $7,846,549
Noninterest-bearing deposits $2,375,120
Interest-bearing deposits $6,073,722
Retail deposits $7,570,483
IRAs and Keogh plan accounts $174,508
Brokered deposits $450,966
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $10,499,021
Cash & Balances due from depository institutions $666,198
Interest-bearing balances $564,920
Total securities $1,101,469
Federal funds sold & reverse repurchase $51,527
Net loans and leases $7,992,104
Loan and leases loss allowance $87,936
Trading account assets $0
Bank premises and fixed assets $204,951
Other real estate owned $12,426
Goodwill and other intangibles $178,030
All other assets $292,316

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $10,499,021
Total Liabilities $9,531,502
Total deposits $8,448,842
Interest-bearing deposits $6,073,722
Deposits held in domestic offices $8,448,842
% insured (estimated) $62
Federal funds purchased and repurchase agreements $158,418
Trading liabilities $0
Other borrowed funds $791,786
Subordinated debt $3,093
All other liabilities $129,363

Issued Loan Types

Type Value (in 000's)
Net loans and leases $7,992,104
Loan and leases loss allowance $87,936
Total loans and leases (domestic) $8,080,040
All real estate loans $6,593,453
Real estate loans in domestic offices $6,593,453
Construction and development loans $1,569,731
Residential 1-4 family construction $634,058
Other construction, all land development and other land $935,673
Loans secured by nonfarm nonresidential properties $2,247,181
Nonfarm nonresidential secured by owner-occupied properties $506,469
Commercial real estate & other non-farm, non-residential $1,740,712
Multifamily residential real estate $346,229
1-4 family residential loans $2,267,952
Farmland loans $162,360
Loans held in foreign offices $0
Farm loans $59,980
Commercial and industrial loans $1,189,534
To non-U.S. addressees $0
Loans to individuals $142,468
Credit card loans $9,737
Related Plans $8,524
Consumer Auto Loans $49,582
Other loans to individuals $74,625
All other loans & leases $107,693
Loans to foreign governments and official institutions $0
Other loans $4,981
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $16,065
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $3,662
Non 1-4 family restructured loans & leases $2,953
Total loans and leases (foreign) $0

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 1,273 $320,685 $251,913
Nonfarm, nonresidential loans - <$100k 290 $12,891 $44,452
Nonfarm, nonresidential loans - $100-250k 413 $52,598 $127,356
Nonfarm, nonresidential loans - $250k-1MM 570 $255,196 $447,712
Commercial & Industrial, US addressed loans - <$1MM 7,961 $511,409 $64,239
Commercial & Industrial, US addressed loans - <$100k 6,212 $145,985 $23,500
Commercial & Industrial, US addressed loans - $100-250k 1,054 $129,097 $122,483
Commercial & Industrial, US addressed loans - $250k-1MM 695 $236,327 $340,039
Farmland loans - <$1MM 652 $72,459 $111,133
Farmland loans - <$100k 308 $12,655 $41,088
Farmland loans - $100-250k 252 $33,357 $132,369
Farmland loans - $250k-1MM 92 $26,447 $287,467
Agriculture operations loans - <$1MM 1,397 $54,820 $39,241
Agriculture operations loans - <$100k 1,185 $26,138 $22,057
Agriculture operations loans - $100-250k 168 $18,314 $109,012
Agriculture operations loans - $250k-1MM 44 $10,368 $235,636