A bank with a consistently high ROE can be considered well run.Ī bank with a consistently low ROE can be considered poorly run. Return on equity measures how efficiently a bank is making money from its capital. To cover these potential losses it had $1,348,614,000 in equity and $124,729,000 in loans loss reserves.įirst United Bank and Trust Company has a Return on Equity of 7.12% versus the BestCashCow average of 13.18%. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bankįirst United Bank and Trust Company had $75,321,000 in non-current loans and $3,240,000 in owned real estate. With its tangible common equity and its loan loss reserves.Ī lower Texas ratio indicates better coverage of problem loans. The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) No depositor has ever lost deposits that have been within the FDIC insurance limits. The following ratios and data are available to help you better understand the financial condition of First United Bank and Trust Company. First United Bank and Trust Company Ratio Analysis