First United Bank and Trust Company: how it compares with its peers
Against 46 KY banks with half to twice its assets, First United Bank and Trust Company's strongest measure in Q2 2026 is return on assets (1.45% vs. a 1.28% peer median). Its weakest relative measure is efficiency ratio (65.79% vs. 57.67%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.45% | 1.28% | Middle third Ahead of 61% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.94% | 3.82% | Middle third Ahead of 54% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.79% | 57.67% | Bottom third Ahead of 28% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $6.2M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.52% | 85.13% | Context |
What it means for lending operations
Its efficiency ratio of 65.79% is above the 57.67% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Kentucky Bank, Inc. Mayfield, KY · $586M
- Hearthside Bank Corporation Middlesboro, KY · $609M
- Peoples Exchange Bank Winchester, KY · $610M
- Peoples Bank of Kentucky, Inc. Flemingsburg, KY · $565M
- West Point Bank Radcliff, KY · $561M
- Magnolia Bank, Incorporated Elizabethtown, KY · $546M
Questions about First United Bank and Trust Company
How big is First United Bank and Trust Company?
First United Bank and Trust Company, established in 1996, is headquartered in Madisonville, KY. It reported $591M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is First United Bank and Trust Company's return on assets?
1.45% annualized in Q2 2026, against a 1.28% median for 46 KY banks with half to twice its assets, ahead of 61% of them.
What is First United Bank and Trust Company's efficiency ratio?
65.79% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 57.67%, and lower is better.
Is First United Bank and Trust Company growing its loans?
Net loans grew 0.2% over the year to Q2 2026, while deposits shrank 2.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.