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First United FUNC Deposit Liabilities Reclassified as Loans Receivable

Deposit Liabilities Reclassified as Loans Receivable at other companies

First Commonwealth Financial logo
First Commonwealth FinancialFCF
$800K-11.1%

Other financials

Income statement

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Revenue$23.4M+11.9%
Net income$6.7M+14.8%
EPS (diluted)$1.03+15.7%

Balance sheet

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Cash & equivalents$89.8M+6.4%
Total debt$51.6M-63.8%
Total equity$205.3M+11.7%
Total assets$2.0B+3.0%

Cash flow

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Operating cash flow$13.9M+99.8%
CapEx$908.0K+55.2%
Free cash flow$13.0M+104%

Valuation

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Market cap$284.36M+49.5%
Enterprise value$246.13M-13.0%
P/E11.2×+3.2×
P/S3.1×+0.8×

Profitability

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Net margin27.8%+0.2pp
FCF margin24.2%-4.1pp

Returns & leverage

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Return on equity13%+0.1pp
Debt / equity0.3×-0.5×

Where this comes from

Reported directly by First United in its filing.

Tagged under the XBRL concept us-gaap:DepositLiabilitiesReclassifiedAsLoansReceivable1.

The official record: First United’s 10-K, filed March 10, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First United's deposit liabilities reclassified as loans receivable?
First United (FUNC) reported deposit liabilities reclassified as loans receivable of $500K in Q4 2025.
How has First United's deposit liabilities reclassified as loans receivable changed year-over-year?
First United's deposit liabilities reclassified as loans receivable increased by 150.0% year-over-year, from $200K to $500K.
What is the long-term trend for First United's deposit liabilities reclassified as loans receivable?
Over 5 years (2020 to 2025), First United's deposit liabilities reclassified as loans receivable has grown at a 20.1% compound annual growth rate (CAGR), from $200K to $500K.
What does deposit liabilities reclassified as loans receivable mean?
This represents deposit balances that have been legally or contractually reclassified as loans receivable due to specific regulatory or accounting conditions. This reclassification often occurs when overdrafts or specific credit arrangements convert a deposit account into a credit extension. It provides insight into the quality of the bank's deposit base and the nature of its credit risk.