This institution is no longer active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

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.30%

Is this bank safe?

FIRST UNITED BANK holds a Satisfactory CRA rating (1999), is financially strong (ROA +1.30%). Overall, this bank appears financially sound.

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%

Above avg for Small banks. Peer avg: 0.44%

ROE

15.59%

Risk-Based Capital

16.02%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA1.30%Peer avg: 0.44%▲ Above avg

Risk-Based Capital16.02%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate2.83%Peer avg: 6.90%▼ Fewer than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	460	87.83%	2.83%
2020	863	86.33%	3.24%
2019	505	84.55%	4.75%
2018	433	89.38%	2.08%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jul 1999	Satisfactory	Large Bank
Feb 1997	Satisfactory	Small Bank
Feb 1995	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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