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This institution is no longer active

Operations ceased on September 1, 2000. CRA examination history below reflects the period it was active.

FIRST UNITED BANK

STUTTGART, AR · Supervised by FDIC

Est. 1922FDIC #3,893RSSD: FDIC-3893
Part ofFIRST UNITED BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: July 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.30%

Institution Profile

FDIC BankFind

Address

412 South Main Street, STUTTGART, AR

County

Arkansas County

Established

April 3, 1922

Total Assets

$252M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 1999

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2000Call Report / FDIC

Total Assets

$252M

Total Deposits

$206M

Net Loans

$127M

Net Income

$2M

ROA

1.30%

ROE

15.59%

Risk-Based Capital

16.02%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate2.83%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202446087.83%2.83%
202348787.27%2.26%
202260185.19%4.83%
202179085.44%3.92%
202086386.33%3.24%
201950584.55%4.75%
201843389.38%2.08%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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