OK lenders / Regional Bank
First United Bank and Trust Company
Regional Bank · Durant, OK · Spend Life Wisely Co Inc
- Total assets
- $16.4B
- CRE loan book
- $5.8B
- QoQ CRE growth
- 3.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.93% as of Q1 2026 — TX bank median 4.87% (1.06pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.93% | 6.06% |
| Q4 2025 | 6.17% | 6.29% |
| Q3 2025 | 6.28% | 6.42% |
| Q2 2025 | 6.11% | 6.26% |
| Q1 2025 | 6.05% | 6.20% |
| Q4 2024 | 6.21% | 6.37% |
| Q3 2024 | 6.46% | 6.60% |
| Q2 2024 | 6.20% | 6.36% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $5.8B | $1.6B | $874.7M | 275% | $103.3M |
| Q4 2025 | $5.6B | $1.7B | $763.3M | 273% | $72.4M |
| Q3 2025 | $5.8B | $1.6B | $923.2M | 295% | $90.5M |
| Q2 2025 | $5.7B | $1.6B | $939.1M | 297% | $127.8M |
| Q1 2025 | $5.7B | $1.6B | $910.4M | 299% | $52.0M |
| Q4 2024 | $5.6B | $1.6B | $890.8M | 300% | $50.1M |
| Q3 2024 | $5.8B | $1.7B | $813.6M | 318% | $95.5M |
| Q2 2024 | $5.6B | $2.0B | $691.3M | 316% | $89.4M |
Similar lenders
Other regional banks we track with a comparable CRE book size.
- Live Oak Banking CompanyRegional Bank · Wilmington · $5.8B CRE book
- Axos BankRegional Bank · San Diego · $5.9B CRE book
- Optum Bank, Inc.Regional Bank · Draper · $6.0B CRE book
- First BankRegional Bank · Southern Pines · $5.6B CRE book
- Enterprise Bank & TrustRegional Bank · Clayton · $6.1B CRE book
See all alternatives to First United Bank and Trust Company →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.