SBA lender profile
First United Bank and Trust Company
First United Bank and Trust Company appears in the public SBA loan data with 488 funded 7(a) loans since FY2010, totaling $383.3M, an average of $786K per loan, and an estimated 9,209 jobs supported. Its SBA lending concentrates in Texas and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 2.5%. 77.9% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 76
- Scale 85
- Activity 86
- Consistency 88
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is First United Bank and Trust Company the right lender for you?
Lenders fund what they know. First United Bank and Trust Company's SBA lending concentrates in Texas (318 loans) and Accommodation and Food Services (71 loans), at an average loan of $786K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $606M
- Headquarters
- Madisonville, KY
- FDIC cert
- #34150
- Status
- Active
Where First United Bank and Trust Company lends
Top states by funded SBA volume.
Metro areas where First United Bank and Trust Company funds
What First United Bank and Trust Company funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 71 | $58.7M |
| Manufacturing | 39 | $47.2M |
| Other Services | 58 | $45.9M |
| Health Care and Social Assistance | 69 | $43.4M |
| Retail Trade | 58 | $33.4M |
| Construction | 32 | $31.3M |
First United Bank and Trust Company SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 8 | $1.5M |
| 2011 | 10 | $12.4M |
| 2012 | 15 | $13.1M |
| 2013 | 27 | $20.9M |
| 2014 | 48 | $34.2M |
| 2015 | 48 | $29.4M |
| 2016 | 41 | $22.5M |
| 2017 | 26 | $19.2M |
| 2018 | 20 | $12.9M |
| 2019 | 34 | $20.4M |
| 2020 | 36 | $27.6M |
| 2021 | 41 | $38.3M |
| 2022 | 38 | $34.9M |
| 2023 | 19 | $17.8M |
| 2024 | 30 | $31.2M |
| 2025 | 36 | $33.3M |
| 2026 | 11 | $13.6M |
Related SBA lenders
Other lenders active in Texas or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
First United Bank and Trust Company: frequently asked questions
Does First United Bank and Trust Company offer SBA loans?
Yes. First United Bank and Trust Company appears in the public SBA data with 488 funded SBA 7(a) loans totaling $383.3M.
How many SBA loans has First United Bank and Trust Company made?
First United Bank and Trust Company is associated with 488 SBA 7(a) loans totaling $383.3M in the public SBA data (as of 2026-03-31).
What is First United Bank and Trust Company's SBA charge-off rate?
About 2.5% of First United Bank and Trust Company's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does First United Bank and Trust Company do most of its SBA lending?
First United Bank and Trust Company's SBA lending in the data is most concentrated in Texas, and by industry in Accommodation and Food Services.
Is First United Bank and Trust Company an SBA Preferred Lender (PLP)?
The loan record shows First United Bank and Trust Company operating under PLP delegated authority: 380 of its 7(a) loans (77.9%) were processed through the Preferred Lenders Program, including 59 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). First United Bank and Trust Company SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/first-united-bank-and-trust-company/
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