bank

First United Bank And Trust Company

Durant, OK · Est. 1900 · Website ↗
B
Trust Grade
Strong
Score: 82/100

First United Bank And Trust Company is a bank based in Durant, Oklahoma, established in 1900, with $16.4 billion in total assets across 85 branches. By Trust Grade it ranks 161st of 170 banks we track in Oklahoma. Its capital ratio of 9.7% trails most similarly sized banks (22th percentile), versus a Oklahoma median of 10.4%. It was profitable over the most recent period, with a 0.88% return on assets. Consumers filed 89 complaints about FIRST UNITED BANK AND TRUST COMPANY with the CFPB — 5.4 per $1B in assets, a higher rate than 65% of peers.

Total assets
$16.4B
$10B–100B institution
Deposits
$13.3B
Branches
85
Capital ratio
9.7%
Bottom 22% of $10B–100B peers · Oklahoma median 10.4%
Return on assets
0.9%
Bottom 25% of $10B–100B peers · Oklahoma median 1.4%
Rank in Oklahoma
#161
of 170 banks

How First United Bank And Trust Company compares to Oklahoma peers

Capital ratio
Bottom 22% of $10B–100B peers
First United
9.7%
Oklahoma median
10.4%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 25% of $10B–100B peers
First United
0.9%
Oklahoma median
1.4%
Higher ROA = more profitable relative to asset base

How we graded First United Bank And Trust Company

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
96/100
Customer experience
68.38584269662921/100
Overall
B · 82
  • Strongly capitalized (9.7% capital ratio)
  • Profitable (ROA 0.88%)
  • 5.4 complaints per $1B in assets

Consumer complaints (CFPB)

89 complaints filed with the CFPB against FIRST UNITED BANK AND TRUST COMPANY — 5.4 per $1B in assets.

Total complaints
89
Per $1B assets
5.4
Lower = better
Answered on time
96.6%
Closed with relief
0.0%
Complaints by product
Mortgage
42
Checking or savings account
30
Credit reporting or other personal consumer reports
8
Money transfer, virtual currency, or money service
3
Debt collection
2

Branch locations (85)

  • 960 E Mccart St, Krum, TX 76249
  • 315 E Dewey Ave, Sapulpa, OK 74066
  • 931 W Main St, Denison, TX 75020
  • 2600 N Harrison St, Shawnee, OK 74804
  • 6000 S Western Ave, Oklahoma City, OK 73139
  • 401 E Taylor St, Sherman, TX 75090
  • 418 N Us Highway 281, Marble Falls, TX 78654
  • 501 W Fm 120, Pottsboro, TX 75076
  • 1710 N Llano St, Fredericksburg, TX 78624
  • 301 N Broadway St, Tecumseh, OK 74873
  • 120 W Sam Rayburn Dr, Bonham, TX 75418
  • 601 North Service Road, Calera, OK 74730
  • 221 W 12th St, Ada, OK 74820
  • 200 W Collin St, Leonard, TX 75452
  • 1539 E Court St, Seguin, TX 78155
  • 4917 Fm 3009, Schertz, TX 78154
  • 4925 Se 44th St, Norman, OK 73072
  • 801 12th Ave Ne, Norman, OK 73071
  • 2730 W University Dr, Denton, TX 76201
  • 1 E Taft Ave, Sapulpa, OK 74066
  • 6100 Preston Rd, Frisco, TX 75034
  • 3326 W Fm 120, Denison, TX 75020
  • 6905 W Fm 2147, Horseshoe Bay, TX 78657
  • 1108 S State Highway 16, Fredericksburg, TX 78624
  • 101 E Broadway St, Gainesville, TX 76240
  • 102 E Main St, Holdenville, OK 74848
  • 315 W Grant Ave, Pauls Valley, OK 73075
  • 101 Burney St, Colbert, OK 74733
  • 1400 W Main St, Durant, OK 74701
  • 300 W Lillie Blvd, Madill, OK 73446
  • 801 E Jackson St, Hugo, OK 74743
  • 851 Highway 377 N, Whitesboro, TX 76273
  • 102 West Main Street, Bokchito, OK 74726
  • 19099 Fm 2252, Garden Ridge, TX 78266
  • 317 6th St, Maysville, OK 73057
  • 4439 N Kickapoo Ave, Shawnee, OK 74804
  • 20480 Highway 46 W, Spring Branch, TX 78070
  • 1403 W Chapman Dr, Sanger, TX 76266
  • 2025 W University Blvd, Durant, OK 74701
  • 420 Sw 6th Street, Moore, OK 73160

Are deposits at First United Bank And Trust Company insured?

Yes. First United Bank And Trust Company is an FDIC-insured bank (FDIC certificate #4239). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

First United Bank And Trust Company: frequently asked questions

Is First United Bank And Trust Company a good bank?

First United Bank And Trust Company earns a Bankzia Trust Grade of B (82/100, "Strong"), based on a financial-strength score of 96/100 and a customer-experience score of 68.38584269662921/100. Strongly capitalized (9.7% capital ratio); Profitable (ROA 0.88%).

Is First United Bank And Trust Company FDIC-insured?

Yes. First United Bank And Trust Company is a FDIC-insured bank (FDIC certificate #4239). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is First United Bank And Trust Company?

First United Bank And Trust Company holds $16.4 billion in total assets, ranking 161st of 170 banks we track in Oklahoma. It operates 85 branches.

How many complaints does First United Bank And Trust Company have?

Consumers filed 89 complaints about FIRST UNITED BANK AND TRUST COMPANY with the CFPB, or 5.4 per $1B in assets. 97% were answered on time. 0% closed with relief to the consumer.

Similar Banks

Bancfirst
bank · Oklahoma City, OK · $12.8B assets · 46 complaints
Stride Bank, National Association
bank · Enid, OK · $5.6B assets
Interbank
bank · Oklahoma City, OK · $5.5B assets
Rcb Bank
bank · Claremore, OK · $4.1B assets
First Fidelity Bank
bank · Oklahoma City, OK · $2.9B assets
Armstrong Bank
bank · Muskogee, OK · $2.7B assets

Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

From the Blog

View all guides →
Stacks of coins of increasing height — representing savings held at a bank
Banking Guides
How Much Money Should You Keep in One Bank?
FDIC and NCUA insurance covers $250,000 per depositor, per ownership category, per institution. Here's how to think about how much to keep at a single bank — and when to spread it out.
June 25, 2026 · 4 min read
A jar of coins with a small plant growing out of it — representing savings growth
Banking Guides
High-Yield Savings Accounts: What to Know in 2026
High-yield savings accounts can pay many times the national average rate — with the same FDIC insurance as any other deposit. Here's how they work and what to watch for.
June 25, 2026 · 4 min read
A person using a card reader at a counter — representing everyday banking
Banking Guides
Are Credit Unions Safer Than Banks?
Credit unions and banks are insured by different agencies but to the same $250,000 limit. Here's what 'safer' really means — and where the two genuinely differ.
June 25, 2026 · 4 min read
A person reviewing finances on a laptop with a notebook — representing switching banks
Banking Guides
How to Switch Banks Without the Headache
Switching banks sounds painful, but a clean move comes down to a short checklist: open the new account, move your automatic payments, then close the old one carefully.
June 25, 2026 · 5 min read
Financial data on a computer screen showing bank performance metrics
State Guides
Most Trustworthy Banks in Wisconsin (2026)
We analyzed all 154 FDIC-insured banks headquartered in Wisconsin using financial strength and CFPB complaint data. Here are the most trustworthy banks in the state.
June 25, 2026 · 8 min read
Person using a contactless payment card at a terminal
State Guides
Most Trustworthy Credit Unions in Wisconsin (2026)
We analyzed all 99 NCUA-insured credit unions in Wisconsin by net worth ratio, ROA, and CFPB complaint data. Here are the most trustworthy.
June 25, 2026 · 7 min read
Stacked financial documents representing bank complaint records
State Guides
Banks to Avoid in Wisconsin: Lowest Trust Grade Ratings (2026)
2 banks in Wisconsin earned a D or F Trust Grade. Here are the lowest-rated FDIC-insured banks in the state — and what the warning signs mean for depositors.
June 25, 2026 · 7 min read
Customer service interaction at a financial institution
State Guides
Credit Unions to Avoid in Wisconsin: Lowest Trust Grade Ratings (2026)
1 credit unions in Wisconsin earned a D or F Trust Grade. Here are the lowest-rated NCUA-insured credit unions in the state — and what the warning signs mean.
June 25, 2026 · 7 min read
Financial data on a computer screen showing bank performance metrics
State Guides
Most Trustworthy Banks in Michigan (2026)
We analyzed all 73 FDIC-insured banks headquartered in Michigan using financial strength and CFPB complaint data. Here are the most trustworthy banks in the state.
June 25, 2026 · 8 min read