# First United Bank & Trust (Spend Life Wisely Company) competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/first-united/competitors
Last updated: Oct 20, 2026

*Part of the [First United Bank & Trust (Spend Life Wisely Company) AI strategy profile](https://www.bankingnewsai.com/banks/first-united). Peer group: BancFirst Corporation, Arvest Bank, First Financial Bankshares, Hilltop Holdings, Simmons First National Corporation, Prosperity Bancshares, BOK Financial Corporation, Cullen/Frost Bankers.*

## Who are First United Bank & Trust (Spend Life Wisely Company)'s competitors, and what are the alternatives?

First United is privately held and files no 10-K, so it has no formal competition statement; its 2025 Impact Report says its service is 'faster and more informative than our competitors with decisions made locally'. It serves more than 362,000 customers from 75 locations in Oklahoma and Texas. In Oklahoma it ranked 5th by deposits at June 30, 2025, with $6.68 billion in 34 branches (4.7% of the state), behind BOK Financial's bank ($20.17 billion), MidFirst, BancFirst and Arvest, and just ahead of Bank of America and JPMorgan Chase (FDIC Summary of Deposits, summed by this site). In Texas, where it held $5.94 billion in 39 branches across North Texas, Austin and the San Antonio area, it meets Frost, which plans about 15 new Texas branches in 2026, Prosperity, with 363 locations after its Stellar deal, and Dallas-based Hilltop. It is still expanding: it opened in San Antonio and Tulsa in 2025, and the Federal Reserve approved another San Antonio branch on September 29, 2026. In mortgage, where it originated $2.23 billion in 2025, it meets Hilltop's PrimeLending. The non-bank rival closest to home is Chime, which agreed in September 2026 to buy Stride Bank, an Oklahoma bank with $3.42 billion of deposits in the state; Block lists banks among Square's competitors for small businesses. ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Interface / FinTech Strategy (B2E Media)](https://interface.media/blog/executiveinsights/first-united-bank-combining-community-banking-values-with-modern-technology), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000), [FDIC](https://api.fdic.gov/banks/sod?filters=CERT%3A4239%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,CITYBR,YEAR&limit=1000), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [Board of Governors of the Federal Reserve System](https://www.federalreserve.gov/releases/h2/20261003/h2.pdf), [HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm))

## What does First United Bank say about its competition?

First United is privately held and publishes no 10-K competition section. Its 2025 Impact Report states its competitive claim in its SERVE model: "Whether in person or through technology, every interaction and solution leaves our customers feeling cared for. (Humanology) Our service is faster and more informative than our competitors with decisions made locally." ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94))

Chairman and CEO Greg Massey's letter in the same report: "Across First United, we advanced the systems and capabilities that support how we work and serve our customers and communities. Our teams made steady progress aligning technology, talent, and processes to operate more effectively as one enterprise." ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94))

Executive vice president and chief technology officer Tadd Tobkin, on why community banks compete with larger ones (August 2026): "Our family was the beneficiary of having a really good community bank. They invested alongside us shoulder to shoulder in our business and enabled it to grow and bigger banks probably wouldn't have done that." And: "Modernisation cannot flatten the human character of community banking. It should help bankers serve customers better, faster, and with more insight so we can help them 'Spend Life Wisely'." ([Interface / FinTech Strategy (B2E Media)](https://interface.media/blog/executiveinsights/first-united-bank-combining-community-banking-values-with-modern-technology))

## Who competes with First United Bank in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Oklahoma | [BOK Financial (Bank of Oklahoma)](https://www.bankingnewsai.com/banks/bok-financial) | Bank | BOKF, N.A. held $20.17 billion of Oklahoma deposits in 43 branches at June 30, 2025, a 14.3% share and the most in the state, three times First United's $6.68 billion. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000)) |
| Home region: Oklahoma | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | Bank | BancFirst held $10.42 billion of Oklahoma deposits in 113 branches at June 30, 2025, 3rd in the state, and reports 109 locations in 62 Oklahoma communities plus banks in Dallas and Fort Worth (July 2026). ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000), [BancFirst Corporation](https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en)) |
| Home region: Oklahoma | [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | Bank | Arvest held $6.97 billion of Oklahoma deposits in 79 branches at June 30, 2025, 4th in the state and just ahead of First United's $6.68 billion. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000)) |
| Home region: Oklahoma | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | Chase held $5.68 billion of Oklahoma deposits in 26 branches at June 30, 2025, 7th in the state, alongside Bank of America with $5.68 billion in 18 branches. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000)) |
| Home region: Oklahoma | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Bank | Simmons held $1.42 billion of Oklahoma deposits in 20 branches at June 30, 2025, including a branch presence in Bryan County, First United's home county. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000)) |
| Texas: North Texas, Austin and San Antonio | [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Bank | Frost planned about 15 new Texas branches and 150 hires for 2026; First United held $5.94 billion of Texas deposits in 39 branches (June 30, 2025) and was approved for another San Antonio branch on September 29, 2026. ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/), [FDIC](https://api.fdic.gov/banks/sod?filters=CERT%3A4239%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,CITYBR,YEAR&limit=1000), [Board of Governors of the Federal Reserve System](https://www.federalreserve.gov/releases/h2/20261003/h2.pdf)) |
| Texas: North Texas, Austin and San Antonio | [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Bank | Houston-based Prosperity had 363 locations after its Stellar deal (July 2026) and held $1.47 billion of Oklahoma deposits in 18 branches at June 30, 2025, competing with First United in both its states. ([Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000)) |
| Texas: North Texas, Austin and San Antonio | [Hilltop Holdings (PlainsCapital)](https://www.bankingnewsai.com/banks/hilltop) | Bank | Dallas-based Hilltop owns PlainsCapital Bank, whose efficiency ratio was 55% in Q2 2026; First United's Texas branches run from Dallas, Plano, Frisco and McKinney to Denton and Sherman. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-tops-q2-2026-estimates-shares-rise-93CH-4811942), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94)) |
| Mortgage | [PrimeLending (Hilltop Holdings)](https://www.bankingnewsai.com/banks/hilltop) | Bank | Hilltop's PrimeLending mortgage business cut about $10 million of annualized fixed costs (July 2026); First United's mortgage arm originated $2.23 billion in 2025 and is ranked #1 mortgage lender in Austin by Mortgage Executive Magazine. ([American Banker](https://www.americanbanker.com/news/primelending-tempers-mortgage-expectations-after-q2-loss), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94)) |
| Mortgage | [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Bank | Frost originated $595 million of mortgages in 2025, 19% above its goal, in Texas markets where First United lends. ([American Banker](https://www.americanbanker.com/news/how-ai-is-supporting-bank-mortgage-growth-plans), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94)) |
| Retail deposits and digital banking | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | Chime agreed on September 8, 2026 to buy Stride Bank for $590 million in cash; Stride held $3.42 billion of Oklahoma deposits in 10 branches at June 30, 2025, 8th in the state, and Chime had 10.4 million active members in June 2026. ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Retail deposits and digital banking | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Bank of America held $5.68 billion of Oklahoma deposits in 18 branches at June 30, 2025, 6th in the state, one place behind First United. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000)) |
| Small business and payments | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Payments company | Block's 10-K lists 'banks that provide payment processing, checking, savings, loans, and payroll' among Square's competitors; First United serves businesses with fraud tools and ISO 20022 payments guidance. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [First United Bank](https://firstunitedbank.com/business/fraud-calculator), [First United Bank](https://www.firstunitedbank.com/spendlifewisely/understanding-iso-20022-preparing-future-payments)) |
| Wealth and asset management | [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Broker or asset manager | First United's wealth and asset management business had $1.7 billion under management in 2025 and acquired Delos Capital Advisors; Schwab gathered $120 billion of core net new assets in Q2 2026 alone. ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607210730BIZWIRE_USPRX____20260721_BW955369-1)) |

## How do the AI and digital offerings of First United Bank's competitors compare?

First United Bank first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [First United Bank & Trust (Spend Life Wisely Company) (this page)](https://www.bankingnewsai.com/banks/first-united) | Not disclosed | [Index 26.7 (#93); 10 use cases, 8 in production](https://www.bankingnewsai.com/banks/first-united) | Business fraud-awareness guidance (Sep 10, 2026) ([First United Bank](https://www.firstunitedbank.com/spendlifewisely/protect-what-youve-built-creating-fraud-aware-business)) |
| [BOK Financial (Bank of Oklahoma)](https://www.bankingnewsai.com/banks/bok-financial) | Vanilla AI for initial trust reviews: about 4 hours saved per review (vendor-reported) ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) | [Index 41.8 (#69); 6 use cases, 4 in production](https://www.bankingnewsai.com/banks/bok-financial) | 18th for customer reputation (Aug 17, 2026) ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | Webex AI Agent for internal support (per Cisco) ([Cisco Webex (vendor blog)](https://blog.webex.com/customer-experience/webexone-2025-connected-intelligence-redefining-cx-with-new-innovations)) | [Index 11.3 (#101); 7 use cases, 6 in production](https://www.bankingnewsai.com/banks/bancfirst) | 10-Q lists AI among technology and competition risks (Aug 7, 2026) ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526339980/banf-20260630.htm)) |
| [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | Google Cloud migration to adopt AI and machine-learning tools; cloud-native core ([American Banker](https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/)) | [Index 37.2 (#79); 11 use cases, 4 in production](https://www.bankingnewsai.com/banks/arvest) | Security engineer on agentic-AI risk (May 5, 2026) ([Trent AI (Business Wire)](https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite for employees: 150,000 weekly users (February 2026) ([JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Not disclosed | [Index 3.6 (#106); 10 use cases, 8 in production](https://www.bankingnewsai.com/banks/simmons) | Q3 2026 call: technology and automation 'barely scratching the surface' (Oct 16, 2026) ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript)) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Blend digital account opening: completion 50% to 80% (August 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) | [Index 49.3 (#58); 9 use cases, 7 in production](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award (Aug 27, 2026) ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Real-time core, converted February 2026 ([Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript)) | [Index 40 (#71); 8 use cases, 4 in production](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet (Aug 6, 2026) ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| [Hilltop Holdings (PlainsCapital)](https://www.bankingnewsai.com/banks/hilltop) | Not disclosed | [Index 30.7 (#87); 9 use cases, 6 in production](https://www.bankingnewsai.com/banks/hilltop) | HilltopSecurities survey: 50% of public finance leaders use AI daily or weekly (Oct 7, 2026) ([Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html)) |
| [PrimeLending (Hilltop Holdings)](https://www.bankingnewsai.com/banks/hilltop) | 15 AI tools ('MoBots') implemented over two years ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough)) | [Index 30.7 (#87); 9 use cases, 6 in production](https://www.bankingnewsai.com/banks/hilltop) | HilltopSecurities survey: 50% of public finance leaders use AI daily or weekly (Oct 7, 2026) ([Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | AI powers roughly 70% of member-support interactions (January 2026) ([Chime](https://www.chime.com/newsroom/news/how-chime-is-using-ai-to-rewire-financial-services/)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica virtual assistant: more than 24.6 million clients helped ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Managerbot AI business agent for Square sellers (April 2026) ([Square](https://squareup.com/us/en/press/managerbot-open-beta)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Portfolio Insights generative-AI summaries for all self-directed US retail clients (May 2026) ([Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx)) | [Index 80.7 (#19); 19 use cases, 15 in production](https://www.bankingnewsai.com/banks/charles-schwab) | How Charley was built: employee testing, confirmation before any change (Oct 8, 2026) ([Traders Magazine](https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/)) |

## Who should look beyond First United Bank, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| People who need branches outside Oklahoma and Texas | [JPMorgan Chase or Bank of America](https://www.bankingnewsai.com/banks/jpmorgan-chase) | First United's 75 locations are in Oklahoma and Texas. Chase and Bank of America each held $5.68 billion of Oklahoma deposits in 2025 and operate national networks. ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm)) |
| Customers who want an AI virtual assistant in their banking app | [Bank of America (Erica)](https://www.bankingnewsai.com/banks/bank-of-america) | First United describes no customer AI assistant; its digital banking offers Finotta guidance, which it does not describe as AI. Bank of America says Erica has helped more than 24.6 million clients. ([PR Newswire (Finotta)](https://prnewswire.com/news-releases/finotta-partners-with-first-united-bank--trust-for-investment-and-launch-of-personalization-technology-301477906.html), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Oklahomans who want the largest local branch network | [BancFirst or Arvest](https://www.bankingnewsai.com/banks/bancfirst) | First United had 34 Oklahoma branches at June 30, 2025. BancFirst had 113 and Arvest 79, per FDIC branch data. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000)) |
| People who want a branchless, app-only account | [Chime](https://www.bankingnewsai.com/fintech/chime) | First United is a branch-based community bank. Chime had 10.4 million active members at June 30, 2026, is buying Oklahoma's Stride Bank, and says AI powers roughly 70% of its member-support interactions. ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank), [Chime](https://www.chime.com/newsroom/news/how-chime-is-using-ai-to-rewire-financial-services/)) |
| Texans who want a bank with a top-rated app and measured digital account opening | [Frost](https://www.bankingnewsai.com/banks/frost) | First United reports no app rating or digital account-opening figure. Frost's app is rated 4.9 in Apple's App Store and 53% of its consumer deposit accounts were opened online in Q2 2026. ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) |

## Where does First United rank by deposits in Oklahoma?

FDIC Summary of Deposits, June 30, 2025: Oklahoma branch deposits summed by institution by this site. Banks are listed under their FDIC names; BOKF, N.A. is BOK Financial's bank.

| Rank | Bank | Oklahoma deposits | Share | Oklahoma branches |
| --- | --- | --- | --- | --- |
| 1 | BOKF, N.A. (BOK Financial) | $20.17 billion | 14.3% | 43 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000)) |
| 2 | MidFirst Bank | $16.25 billion | 11.5% | 50 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000)) |
| 3 | BancFirst | $10.42 billion | 7.4% | 113 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000)) |
| 4 | Arvest Bank | $6.97 billion | 4.9% | 79 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000)) |
| 5 | First United Bank and Trust | $6.68 billion | 4.7% | 34 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000)) |
| 6 | Bank of America | $5.68 billion | 4.0% | 18 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000)) |
| 7 | JPMorgan Chase | $5.68 billion | 4.0% | 26 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000)) |
| 8 | Stride Bank (being acquired by Chime) | $3.42 billion | 2.4% | 10 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |

## Where are First United's deposits, and how is it growing?

First United's branch deposits from the FDIC Summary of Deposits (June 30, 2025), with expansion it has disclosed since.

| Market | Deposits | Branches | Note |
| --- | --- | --- | --- |
| Oklahoma | $6.68 billion | 34 | Bryan County (Durant headquarters) $3.55 billion ([FDIC](https://api.fdic.gov/banks/sod?filters=CERT%3A4239%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,CITYBR,YEAR&limit=1000)) |
| Texas | $5.94 billion | 39 | Largest Texas county: Grayson, $1.44 billion ([FDIC](https://api.fdic.gov/banks/sod?filters=CERT%3A4239%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,CITYBR,YEAR&limit=1000)) |
| San Antonio and Tulsa | New locations | - | Opened in 2025; another San Antonio branch approved September 29, 2026 ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Board of Governors of the Federal Reserve System](https://www.federalreserve.gov/releases/h2/20261003/h2.pdf)) |
| Whole bank | $13.33 billion of deposits; $16.59 billion of assets | 85 domestic offices | June 30, 2026 call report ([FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A4239%20AND%20REPDTE%3A%5B20231231%20TO%2020260630%5D&fields=REPDTE,ASSET,DEP,NETINC,ROA,ROE,NUMEMP&sort_by=REPDTE&sort_order=ASC&limit=20), [FDIC](https://api.fdic.gov/banks/institutions?filters=CERT%3A4239&fields=CERT,NAME,OFFDOM,NAMEHCR,REGAGNT,ASSET,DEP,REPDTE)) |

## What AI do First United's main competitors have on the record?

The headline AI disclosure of each competitor, against First United's own.

| Competitor | Headline AI disclosure | Date |
| --- | --- | --- |
| First United | Director of AI program strategy and execution; AI in process improvement, user experience and leadership development | December 2025; March 2026 ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Southeastern Oklahoma State University](https://www.se.edu/2025/12/southeastern-awarded-500000-grant-from-state-regents-for-ai-programs/)) |
| BOK Financial | Vanilla AI saves about 4 hours per initial trust review (vendor-reported) | August 2026 ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) |
| BancFirst | Webex AI Agent for internal support (per Cisco) | September 2025 ([Cisco Webex (vendor blog)](https://blog.webex.com/customer-experience/webexone-2025-connected-intelligence-redefining-cx-with-new-innovations)) |
| Arvest | Google Cloud migration to adopt AI and machine-learning tools | September 2024 ([American Banker](https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud)) |
| Frost | Blend digital account opening: completion 50% to 80% | August 2026 ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) |
| Chime | AI powers roughly 70% of member-support interactions | January 2026 ([Chime](https://www.chime.com/newsroom/news/how-chime-is-using-ai-to-rewire-financial-services/)) |

## Common questions

### Who are First United Bank's biggest competitors?

In Oklahoma, BOK Financial's bank, MidFirst, BancFirst and Arvest rank ahead of it by deposits, with Bank of America and JPMorgan Chase just behind (June 2025). In Texas, Frost, Prosperity and Hilltop's PlainsCapital; in mortgage, Hilltop's PrimeLending. Chime, buying Oklahoma's Stride Bank, is the closest non-bank rival. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank))

### Where does First United rank in Oklahoma?

5th by deposits at June 30, 2025, with $6.68 billion in 34 Oklahoma branches, about 4.7% of the state's branch deposits, per FDIC Summary of Deposits data summed by this site. BOKF, N.A. ranked first with $20.17 billion. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000))

### Is Chime a competitor of First United?

Increasingly, in Oklahoma. Chime agreed on September 8, 2026 to buy Stride Bank, N.A. for $590 million; Stride held $3.42 billion of Oklahoma deposits in 10 branches in June 2025, 8th in the state. Chime had 10.4 million active members nationally at June 30, 2026. ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### Who competes with First United in Texas?

Frost, which planned about 15 new Texas branches for 2026; Prosperity, with 363 locations after its Stellar deal; and Dallas-based Hilltop. First United held $5.94 billion of Texas deposits in 39 branches in June 2025, from North Texas to Austin and the San Antonio area, where the Federal Reserve approved a new branch on September 29, 2026. ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-tops-q2-2026-estimates-shares-rise-93CH-4811942), [FDIC](https://api.fdic.gov/banks/sod?filters=CERT%3A4239%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,CITYBR,YEAR&limit=1000), [Board of Governors of the Federal Reserve System](https://www.federalreserve.gov/releases/h2/20261003/h2.pdf))

### Who competes with First United in mortgage lending?

First United originated $2.23 billion of home mortgages in 2025 and is ranked #44 among US mortgage lenders by Scotsman Guide and #1 in Austin by Mortgage Executive Magazine. Its rivals include Hilltop's PrimeLending, which runs 15 AI tools, and Frost, which originated $595 million in 2025. ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough), [American Banker](https://www.americanbanker.com/news/how-ai-is-supporting-bank-mortgage-growth-plans))

### What does First United say makes it different from competitors?

Its 2025 Impact Report says its service is 'faster and more informative than our competitors with decisions made locally'. Its chief technology officer says modernization 'cannot flatten the human character of community banking' and should help bankers serve customers 'better, faster, and with more insight'. ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Interface / FinTech Strategy (B2E Media)](https://interface.media/blog/executiveinsights/first-united-bank-combining-community-banking-values-with-modern-technology))

### Is BancFirst a competitor of First United?

Yes, across Oklahoma. BancFirst held $10.42 billion of Oklahoma deposits in 113 branches in June 2025, against First United's $6.68 billion in 34, and also owns banks in Dallas and Fort Worth. On AI, First United scores 26.7 on this site's index and BancFirst 11.3. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000), [BancFirst Corporation](https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en))

### Is BOK Financial a competitor of First United?

Yes, the largest one in Oklahoma. BOKF, N.A. held $20.17 billion of Oklahoma deposits in 43 branches at June 30, 2025, a 14.3% share, against First United's $6.68 billion. On AI, BOK Financial scores 41.8 on this site's index; its trust reviewers use Vanilla's AI. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster))

### Is Arvest a competitor of First United?

Yes, in Oklahoma, where the two were 4th and 5th by deposits in June 2025: Arvest $6.97 billion in 79 branches, First United $6.68 billion in 34. Arvest is migrating to Google Cloud and a cloud-native core, and was 20th among US banks in Forbes' 2026 World's Best Banks list. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000), [American Banker](https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud), [Arvest Bank](https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list))

### Is Frost a competitor of First United?

In Texas, yes. Frost planned about 15 new Texas branches for 2026, and First United opened in San Antonio in 2025 and won approval for another branch there on September 29, 2026. First United held $5.94 billion of Texas deposits in 39 branches in June 2025. ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Board of Governors of the Federal Reserve System](https://www.federalreserve.gov/releases/h2/20261003/h2.pdf), [FDIC](https://api.fdic.gov/banks/sod?filters=CERT%3A4239%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,CITYBR,YEAR&limit=1000))

### Is Prosperity a competitor of First United?

Yes, in both of its states. Prosperity held $1.47 billion of Oklahoma deposits in 18 branches in June 2025 and had 363 locations after its Stellar deal (July 2026), most of them in Texas. It converted to a real-time core in February 2026; First United names nCino and Enlight as its 2024 enterprise platforms. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94))

### Is Simmons Bank a competitor of First United?

Yes, in Oklahoma, including First United's home county of Bryan. Simmons held $1.42 billion of Oklahoma deposits in 20 branches at June 30, 2025. First United's own Bryan County deposits were $3.55 billion, booked at its Durant headquarters county. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000), [FDIC](https://api.fdic.gov/banks/sod?filters=CERT%3A4239%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,CITYBR,YEAR&limit=1000))

## Peers on this site

- [BancFirst Corporation AI strategy](https://www.bankingnewsai.com/banks/bancfirst) · [vs peers](https://www.bankingnewsai.com/banks/bancfirst/vs-peers)
- [Arvest Bank AI strategy](https://www.bankingnewsai.com/banks/arvest) · [vs peers](https://www.bankingnewsai.com/banks/arvest/vs-peers)
- [First Financial Bankshares AI strategy](https://www.bankingnewsai.com/banks/first-financial-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/first-financial-bankshares/vs-peers)
- [Hilltop Holdings AI strategy](https://www.bankingnewsai.com/banks/hilltop) · [vs peers](https://www.bankingnewsai.com/banks/hilltop/vs-peers)
- [Simmons First National Corporation AI strategy](https://www.bankingnewsai.com/banks/simmons) · [vs peers](https://www.bankingnewsai.com/banks/simmons/vs-peers)
- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) · [vs peers](https://www.bankingnewsai.com/banks/prosperity/vs-peers)
- [BOK Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/bok-financial) · [vs peers](https://www.bankingnewsai.com/banks/bok-financial/vs-peers)
- [Cullen/Frost Bankers AI strategy](https://www.bankingnewsai.com/banks/frost) · [vs peers](https://www.bankingnewsai.com/banks/frost/vs-peers)

## Sources

1. Impact Report 2025 — First United Bank, Mar 20, 2026. https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94
2. First United Bank: Combining Community Banking Values with Modern Technology — Interface / FinTech Strategy (B2E Media), Aug 11, 2026. https://interface.media/blog/executiveinsights/first-united-bank-combining-community-banking-values-with-modern-technology
3. FDIC Summary of Deposits, Oklahoma branch offices, June 30, 2025 (BankFind API query; deposits summed by institution by this site) — FDIC, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,YEAR&limit=10000
4. FDIC Summary of Deposits, First United Bank and Trust Company (CERT 4239) branch offices, June 30, 2025 (BankFind API query) — FDIC, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=CERT%3A4239%20AND%20YEAR%3A2025&fields=NAMEFULL,DEPSUMBR,CERT,STALPBR,CNTYNAMB,CITYBR,YEAR&limit=1000
5. Frost Bank sticks to organic growth as Texas M&A heats up — Banking Dive, Jan 29, 2026. https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/
6. Second Quarter 2026 Investor Presentation — Prosperity Bancshares, Jul 28, 2026. https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf
7. H.2 Actions of the Board, Its Staff, and the Federal Reserve Banks; Applications and Reports Received, No. 40, week ending October 3, 2026 — Board of Governors of the Federal Reserve System, Oct 8, 2026. https://www.federalreserve.gov/releases/h2/20261003/h2.pdf
8. 2024 Tech Trendsetter: Kimberly Hartsough — HousingWire, Nov 1, 2024. https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough
9. Chime Announces Agreement to Acquire Stride Bank — Chime, Sep 8, 2026. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
10. Block, Inc. Annual Report 2025 (Form 10-K) — Block, Inc. via SEC EDGAR, Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm
11. BancFirst Corporation reports second quarter earnings (2Q 2026 press release) — BancFirst Corporation, Jul 23, 2026. https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en
12. Earnings call transcript: Hilltop Holdings tops Q2 2026 estimates, shares rise — Investing.com, Jul 24, 2026. https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-tops-q2-2026-estimates-shares-rise-93CH-4811942
13. PrimeLending tempers mortgage expectations after Q2 loss — American Banker, Jul 24, 2026. https://www.americanbanker.com/news/primelending-tempers-mortgage-expectations-after-q2-loss
14. How AI is supporting bank mortgage growth plans — American Banker, May 12, 2026. https://www.americanbanker.com/news/how-ai-is-supporting-bank-mortgage-growth-plans
15. Chime Reports Second Quarter 2026 Financial Results — Chime, Aug 5, 2026. https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results
16. Business Fraud Risk Calculator — First United Bank, Oct 14, 2026. https://firstunitedbank.com/business/fraud-calculator
17. Understanding ISO 20022: Preparing for the Future of Payments — First United Bank, Jun 30, 2025. https://www.firstunitedbank.com/spendlifewisely/understanding-iso-20022-preparing-future-payments
18. Schwab Reports Record Quarterly Revenue and Earnings — Business Wire via FT Markets, Jul 21, 2026. https://markets.ft.com/data/announce/full?dockey=600-202607210730BIZWIRE_USPRX____20260721_BW955369-1
19. Protect What You've Built: Creating a Fraud-Aware Business — First United Bank, Sep 10, 2026. https://www.firstunitedbank.com/spendlifewisely/protect-what-youve-built-creating-fraud-aware-business
20. How BOK Financial Streamlines Trust Reviews with Vanilla — Vanilla (vendor case study), Aug 13, 2026. https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster
21. Top Banks by Reputation 2026: Customers — American Banker, Aug 17, 2026. https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers
22. Webex AI Innovations Transform Customer Experience at WebexOne 2025 — Cisco Webex (vendor blog), Sep 30, 2025. https://blog.webex.com/customer-experience/webexone-2025-connected-intelligence-redefining-cx-with-new-innovations
23. BancFirst Corporation Form 10-Q for the quarterly period ended June 30, 2026 — BancFirst Corporation (SEC filing), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/760498/000119312526339980/banf-20260630.htm
24. Are banks saving money as they migrate to the cloud? What you need to know — American Banker, Sep 9, 2024. https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud
25. Arvest Bank moves 40% of apps to cloud — Bank Automation News, Apr 4, 2025. https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/
26. Trent AI Announces AI Security Maturity Model for Agentic Era — Trent AI (Business Wire), May 5, 2026. https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era
27. 2026 Company Update Transcript - Chairman and CEO Q&A — JPMorganChase, Feb 25, 2026. https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf
28. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
29. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
30. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
31. Simmons First (SFNC) Q3 2026 Earnings Call Transcript — earnings call transcript (The Motley Fool), Oct 16, 2026. https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript
32. Frost Bank Achieves 60% Increase in Digital Account Openings With Blend — Business Wire via FT Markets, Aug 18, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1
33. Blend Honors Seven Customers With Best in Banking Awards at Forum 2026 — Business Wire via Yahoo Finance, Aug 27, 2026. https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html
34. Prosperity (PB) Q1 2026 Earnings Transcript — Earnings call transcript (The Motley Fool), Apr 29, 2026. https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript
35. Prosperity Bancshares Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Prosperity Bancshares (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm
36. Public Finance Leaders Embrace Innovation While Capacity Constraints Persist, 2026 HilltopSecurities Survey Finds — Business Wire (Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html
37. How Chime Is Using AI to Rewire Financial Services — Chime, Jan 9, 2026. https://www.chime.com/newsroom/news/how-chime-is-using-ai-to-rewire-financial-services/
38. Bank of America Fast Facts (undated page, retrieved 2026-10-19) — Bank of America Newsroom, Oct 19, 2026. https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html
39. U.S. Treasury Announces Record Enforcement Actions Against Bank of America — U.S. Department of the Treasury, Oct 13, 2026. https://home.treasury.gov/news/press-releases/sb0657
40. OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance — Office of the Comptroller of the Currency, Oct 13, 2026. https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html
41. BofA fined $1.21 billion over AML — Banking Dive, Oct 13, 2026. https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915
42. Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent — Square, Apr 28, 2026. https://squareup.com/us/en/press/managerbot-open-beta
43. Q2 2026 Shareholder Letter (Exhibit 99.1 to Form 8-K) — Block, Inc. via SEC EDGAR, Aug 5, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm
44. Charles Schwab Launches AI-Powered Capability That Helps Investors Understand Portfolio Performance and Market Activity — Charles Schwab, May 5, 2026. https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx
45. Charles Schwab's Amy Ruegg: AI Can Make Investing Easier, but Human Expertise Remains Key — Traders Magazine, Oct 8, 2026. https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/
46. JPMorgan Chase & Co. Annual Report on Form 10-K for the year ended December 31, 2025 — JPMorgan Chase & Co. (SEC filings), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm
47. Finotta partners with First United Bank & Trust for investment and launch of personalization technology — PR Newswire (Finotta), Feb 8, 2022. https://prnewswire.com/news-releases/finotta-partners-with-first-united-bank--trust-for-investment-and-launch-of-personalization-technology-301477906.html
48. Cullen/Frost Q2 2026 investor presentation (Form 8-K, Exhibit 99.1) — Cullen/Frost Bankers (SEC filings), Aug 17, 2026. https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm
49. FDIC BankFind financial data, First United Bank and Trust Company (CERT 4239), 2023-2026 call reports — FDIC, Jun 30, 2026. https://api.fdic.gov/banks/financials?filters=CERT%3A4239%20AND%20REPDTE%3A%5B20231231%20TO%2020260630%5D&fields=REPDTE,ASSET,DEP,NETINC,ROA,ROE,NUMEMP&sort_by=REPDTE&sort_order=ASC&limit=20
50. FDIC BankFind institution record, First United Bank and Trust Company (CERT 4239) — FDIC, Oct 9, 2026. https://api.fdic.gov/banks/institutions?filters=CERT%3A4239&fields=CERT,NAME,OFFDOM,NAMEHCR,REGAGNT,ASSET,DEP,REPDTE
51. Southeastern awarded $500,000 grant from state regents for AI programs — Southeastern Oklahoma State University, Dec 8, 2025. https://www.se.edu/2025/12/southeastern-awarded-500000-grant-from-state-regents-for-ai-programs/
52. Arvest Ranked Top 20 on Forbes' World's Best Banks List — Arvest Bank, Apr 8, 2026. https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list

---

Canonical page: https://www.bankingnewsai.com/banks/first-united/competitors
Part of [BankingNewsAI](https://www.bankingnewsai.com/). Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.