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131 West Front Street
Thomasville, AL 36784

First United Security Bank is headquartered in Thomasville and is the 13st largest bank in the state of Alabama. It is also the 1,164th largest bank in the nation. It was established in 1952 and as of June of 2014, it had grown to 283 employees at 20 locations. First United Security Bank has a B+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 First United Security Bank had $16.6 million in non-current loans and owned real-estate with $81.41 million in equity and loan loss allowances on hand to cover it. This gives First United Security Bank a Texas Ratio of 20.38% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First United Security Bank decreased dramatically from 35.57% as of June 30, 2013 to 20.38% as of June 30, 2014, resulting in a positive change of 42.69%.This indicates that the balance sheet and financial strength for First United Security Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, First United Security Bank has increased its total deposits by $5.24 million, resulting in 1.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First United Security Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First United Security Bank has $570.69 million in assets with $81.41 million in equity, resulting in a capitalization level of 14.26%, which is excellent.

Institution Statistics

FDIC Certificate #17077
Year Established1952
Primary RegulatorFDIC
Assets and Liabilities
Assets$570.69 million
Loans$272.09 million
Deposits$483.37 million
Equity Capital$73.74 million
Loan Loss Allowance$7.67 million
Unbacked Noncurrent Loans$6.29 million
Real Estate Owned$10.31 million
Historic Data - June 2013
Assets$555.71 million
Equity Capital$69.60 million
Loan Loss Allowance$11.63 million
Unbacked Noncurrent Loans$6.29 million
Real Estate Owned$12.38 million
Profit Margin - Quarterly
Return on Assets0.78%
Return on Equity6.2%
Interest Income$15.78 million
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First United Security Bank Checking Account Rates

2.50%-$20kReward Checking - Qualifying
0.05%--Reward Checking - Non Qualifying

First United Security Bank has 19 locations. Click to view all First United Security Bank locations.