What does federal home loan bank advances interest rate mean?

This represents the weighted average interest rate paid on advances borrowed from the Federal Home Loan Bank (FHLB). It serves as a benchmark for the bank's cost of wholesale funding and its sensitivity to interest rate fluctuations. Changes in this rate reflect both market conditions and the bank's specific borrowing strategy.

First United FUNC Federal Home Loan Bank Advances Interest Rate

Federal Home Loan Bank Advances Interest Rate at other companies

Independent Bank CorporationIBCP

3.7%-0.8pp

First UnitedFUNC

3.8%—

Pioneer Bancorp, Inc.PBFS

4%-0.6pp

MainStreet Bancshares, Inc.MNSB

0%—

WaFd, Inc.WAFD

2.4%-1.0pp

Magyar BancorpMGYR

4.6%—

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:FederalHomeLoanBankAdvancesInterestRate.

The official record: First United’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First United's federal home loan bank advances interest rate?: First United (FUNC) reported federal home loan bank advances interest rate of 3.8% in Q4 2025.
What does federal home loan bank advances interest rate mean?: This represents the weighted average interest rate paid on advances borrowed from the Federal Home Loan Bank (FHLB). It serves as a benchmark for the bank's cost of wholesale funding and its sensitivity to interest rate fluctuations. Changes in this rate reflect both market conditions and the bank's specific borrowing strategy.