FDIC certificate 7886
First United National Bank
Fryburg, Pennsylvania · 19535 Route 208 16326
Hunter Score
This bank ranks below the middle of its size group.
Up 5 points from last quarter.
Compared with 1,424 banks with $300 million to $1 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
First United National Bank has a Hunter Score of 23 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks below the middle of its size group. The comparison is with banks with $300 million to $1 billion in assets.
The FDIC reported return on equity of 11.34% (field ROE). Among banks with $300 million to $1 billion in assets, the peer rank for this measure is 42 out of 100. A rank of 50 is typical.
The FDIC reported net interest margin of 3.05% (field NIMY). Among banks with $300 million to $1 billion in assets, the peer rank for this measure is 11 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
- Unrealized securities loss is at least a quarter of equityAvailable-for-sale securities were $104,574,000 at fair value and $118,262,000 at amortized cost (FDIC fields SCAF and SCAA). The difference is an unrealized loss of $13,688,000, equal to 63% of total equity. We flag this at 25% of equity. It is not an FDIC limit. Held-to-maturity unrealized losses are not included, because this file does not publish a held-to-maturity cost we can subtract from fair value without guessing.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Pennsylvania with $300 million to $1 billion in assets, ordered by Hunter Score.
- PS Bank80out of 100
- First Resource Bank67out of 100
- Elderton State Bank62out of 100
- Harleysville Bank62out of 100
- The Juniata Valley Bank57out of 100
Top Hunter Scores in Pennsylvania · Top scores with $300 million to $1 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
11.34%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 42 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
0.65%
Profit for each dollar of assets. Higher is stronger.
Peer rank 16 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
3.05%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 11 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
76.78%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 15 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.91%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 30 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202623 out of 100
- Q1 2026, ending March 31, 202618 out of 100
- Q4 2025, ending December 31, 202521 out of 100
- Q3 2025, ending September 30, 202520 out of 100
- Q2 2025, ending June 30, 202518 out of 100
Download these quarters with Pro
Older quarters
Pro will include every quarter we have loaded. This release shows the latest five quarters for every bank, free.
About this bank
- Total assets
- $385.8 million
- Deposits
- $362.6 million
- Equity
- $21.8 million
- Tangible equity
- $21.6 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 7
- Charter
- National bank
- Specialty
- All Other Under 1 Billion
- Community bank
- Yes, by the FDIC definition
- Net income
- $1.2 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: Fryburg Banking Co Inc, Fryburg, PA. Federal Reserve RSSD 2687601.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
19535 Route 208, Fryburg, PA 16326
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.