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First United National Bank

Fryburg, PA · Est. 1909 · Website ↗
C
Trust Grade
Average
Score: 79/100

First United National Bank is a bank based in Fryburg, Pennsylvania, established in 1909, with $370 million in total assets across 7 branches. By Trust Grade it ranks 104th of 110 banks we track in Pennsylvania. Its capital ratio of 5.8% trails most similarly sized banks (2th percentile), versus a Pennsylvania median of 10.7%. It was profitable over the most recent period, with a 0.52% return on assets. No consumer complaints against First United National Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$369.9M
$100M–1B institution
Deposits
$347.0M
Branches
7
Capital ratio
5.8%
Bottom 2% of $100M–1B peers · Pennsylvania median 10.7%
Return on assets
0.5%
Bottom 14% of $100M–1B peers · Pennsylvania median 0.87%
Rank in Pennsylvania
#104
of 110 banks

How First United National Bank compares to Pennsylvania peers

Capital ratio
Bottom 2% of $100M–1B peers
First United
5.8%
Pennsylvania median
10.7%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 14% of $100M–1B peers
First United
0.5%
Pennsylvania median
0.9%
Higher ROA = more profitable relative to asset base

How we graded First United National Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
79/100
Customer experience
n/a
Overall
C · 79
  • Well-capitalized (5.8% capital ratio)
  • Profitable (ROA 0.52%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for First United National Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (7)

  • 1153 Liberty St, Franklin, PA 16323
  • 1 Central Ave, Oil City, PA 16301
  • 400 Liberty St, Clarion, PA 16214
  • 706 Broad St, New Bethlehem, PA 16242
  • 112 Hoss Drive, Cranberry, PA 16319
  • 19535 Route 208, Fryburg, PA 16326
  • 221 Elm St, Tionesta, PA 16353

Are deposits at First United National Bank insured?

Yes. First United National Bank is an FDIC-insured bank (FDIC certificate #7886). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

First United National Bank: frequently asked questions

Is First United National Bank a good bank?

First United National Bank earns a Bankzia Trust Grade of C (79/100, "Average"), based on a financial-strength score of 79/100 (it has no CFPB complaints on record). Well-capitalized (5.8% capital ratio); Profitable (ROA 0.52%).

Is First United National Bank FDIC-insured?

Yes. First United National Bank is a FDIC-insured bank (FDIC certificate #7886). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is First United National Bank?

First United National Bank holds $370 million in total assets, ranking 104th of 110 banks we track in Pennsylvania. It operates 7 branches.

Does First United National Bank have CFPB complaints?

No CFPB complaints against First United National Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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