🏦Bank Scorer

FIRST UNITED NATIONAL BANK

FRYBURG, PA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1909FDIC #7,886
Outstanding Up

Current rating · Exam: March 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.52%

Institution Profile

FDIC BankFind

Address

19535 Route 208, FRYBURG, PA

County

Clarion County

Established

August 2, 1909

Total Assets

$370M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 6, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Mar 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$370M

Total Deposits

$347M

Net Loans

$202M

Net Income

$476K

ROA

0.52%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.97%

Risk-Based Capital

17.15%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA0.52%Peer avg: 0.44%▲ Above avg
Risk-Based Capital17.15%Peer avg: 23.03%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$339M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam DateRatingExam Type
Mar 2023OutstandingSmall Bank
Feb 2020SatisfactorySmall Bank
Mar 2017SatisfactorySmall Bank

5 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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