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BDI
FU

First United Bank and Trust Company

Durant, OklahomaFDIC Cert #4239

STATEEstablished 190085 branches

Holding company: SPEND LIFE WISELY CO INCRegulator: FED

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.26%
−68.8%y/y
Peer standing65th percentile
Peer standing in ubpr:primary:2
FDICP3ASSET + LNLSGR
90+ %
0.60%
+31.5%y/y
Peer standing7th percentile
Peer standing in ubpr:primary:2
FDICP9ASSET + LNLSGR
Nonaccrual %
1.31%
+40.7%y/y
Peer standing9th percentile
Peer standing in ubpr:primary:2
FDICNAASSET + LNLSGR
Noncurrent %
1.92%
+37.7%y/y
Peer standing8th percentile
Peer standing in ubpr:primary:2
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.61%
+44.9%y/y
Peer standing4th percentile
Peer standing in ubpr:primary:2
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$264M
+45.9%y/y
Peer standing16th percentile
Peer standing in ubpr:primary:2
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.03%
−5.1%y/y
Peer standing80th percentile
Peer standing in ubpr:primary:2
FDICNTLNLS + LNLSGR
NCO
$1.01M
−4.8%y/y
Peer standing82nd percentile
Peer standing in ubpr:primary:2
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.01%
−8.4%y/y
Percentile by value27th percentileby value
Peer standing in ubpr:primary:2
FDICLNATRES + LNLSGR
30–89
$32.8M
−68.8%y/y
Peer standing72nd percentile
Peer standing in ubpr:primary:2
FDICP3ASSET
90+
$76.5M
+31.4%y/y
Peer standing8th percentile
Peer standing in ubpr:primary:2
FDICP9ASSET
Nonaccrual
$166M
+40.7%y/y
Peer standing22nd percentile
Peer standing in ubpr:primary:2
FDICNAASSET