First United Corp 8-K, filed Oct 19, 2026

First United Corp/Md/ (FUNC)

8-K 2026-10-19 For: 2026-10-19

Added on October 19, 2026

About this 8-K

First United Corp filed this 8-K on October 19, 2026.

First United Corporation reported Q3 2026 net income of $7.2 million ($1.11 per diluted share) versus $6.9 million in Q3 2025, with year-to-date net income of $19.5 million ($3.01 per diluted share). Net interest margin rose to 4.05%, and total assets reached $2.1 billion at September 30, 2026. AI summary

Items reported

Item 2.02: Financial results
Item 7.01: Regulation FD disclosure
Item 9.01: Financial statements and exhibits

Search and read filings like this one from Claude or ChatGPT with the SEC filings MCP server →

Maryland	0-14237	52-1380770
(State or other jurisdiction of	(Commission file number)	(IRS Employer
incorporation or organization)		Identification No.)

Title of each class	Trading Symbols	Name of each exchange on which registered
Common Stock	FUNC	Nasdaq Stock Market

Exhibit No.		Description
99.1		Press release dated October 19, 2026 (furnished herewith)
99.2		Investor presentation dated October 19, 2026 (furnished herewith)
104		Cover page interactive data file (embedded within the iXBRL document)

	FIRST UNITED CORPORATION

Dated: October 19, 2026	By:	/s/	Tonya K. Sturm
			Tonya K. Sturm
			Executive Vice President & CFO

	Q3 2026		Q2 2026		Q3 2025
Net Income, GAAP (millions)	$	7.2	$	5.7	$	6.9
Net Income, non-GAAP (millions)	$	7.2	$	7.3	$	6.9
Diluted net income per share, GAAP	$	1.11	$	0.88	$	1.07
Diluted net income per share, non-GAAP	$	1.11	$	1.14	$	1.07

Loan Type (in millions)	Change since June 30, 2026		Change since December 31, 2025
Commercial	$	7.2	$	39.1
Residential Mortgages	$	17.0	$	27.2
Consumer	$	9.1	$	17.4
Gross Loans	$	33.3	$	83.7

Deposit Type (in millions)	Change since June 30, 2026			Change since December 31, 2025
Non-Interest-Bearing	$	13.8		$	2.1
Interest-Bearing Demand	$	47.7		$	61.0
Savings and Money Market	$	17.4		$	45.0
Time Deposits- Brokered	$	(25.0	)	$	(50.0	)
Time Deposits- Retail	$	(1.7	)	$	(5.5	)
Total Deposits	$	52.2		$	52.6

Ratio of Net (Charge Offs)/Recoveries to Average Loans
	09/30/2026			09/30/2025
Loan Type	(Charge Off) / Recovery			(Charge Off) / Recovery
Commercial Real Estate		0.00	%		0.00	%
Acquisition & Development		0.02	%		0.42	%
Commercial & Industrial		(0.06	)%		(0.41	)%
Residential Mortgage		0.01	%		0.01	%
Consumer		(0.91	)%		(1.06	)%
Total Net Charge Offs		(0.04	)%		(0.08	)%

	Three Months Ended						Nine Months Ended
	September 30,			September 30,			September 30,		September 30,
(Dollars in thousands, except per share data)	2026			2025			2026		2025
Results of Operations:
Interest income	$	26,979		$	25,762		$	78,859	$	74,695
Interest expense		7,365			8,359			22,585		24,569
Net interest income		19,614			17,403			56,274		50,126
Provision for credit losses		1,930			510			3,590		2,026
Other operating income		5,486			5,074			16,013		14,836
Net gains		121			261			292		499
Other operating expense		13,815			12,986			43,273		38,536
Income before taxes	$	9,476		$	9,242		$	25,716	$	24,899
Income tax expense		2,295			2,294			6,205		6,161
Net income	$	7,181		$	6,948		$	19,511	$	18,738

Per share data:
Basic net income per share	$	1.11		$	1.07		$	3.02	$	2.89
Diluted net income per share	$	1.11		$	1.07		$	3.01	$	2.88
Adjusted Basic net income (1)	$	1.11		$	1.07		$	3.27	$	2.89
Adjusted Diluted net income (1)	$	1.11		$	1.07		$	3.26	$	2.88
Dividends declared per share	$	0.28		$	0.26		$	0.80	$	0.70
Book value	$	33.15		$	30.65
Diluted book value	$	33.10		$	30.59
Tangible book value per share	$	31.41		$	28.87
Diluted Tangible book value per share	$	31.37		$	28.82

Closing market value	$	42.77		$	36.77
Market Range:
High	$	46.18		$	38.41
Low	$	42.16		$	32.02

Shares outstanding at period end: Basic		6,456,055			6,496,908
Shares outstanding at period end: Diluted		6,464,823			6,508,790

Performance ratios: (Year to Date Period End, annualized)
Return on average assets		1.26	%		1.24	%
Adjusted return on average assets (1)		1.36	%		1.24	%
Return on average shareholders' equity		12.37	%		13.23	%
Adjusted return on average shareholders' equity (1)		13.38	%		13.23	%
Net interest margin (Non-GAAP), includes tax exempt income of $221 and $160		3.94	%		3.64	%
Net interest margin GAAP		3.93	%		3.63	%
Efficiency ratio - non-GAAP (2)		56.51	%		58.73	%

	September 30,			December 31,
	2026			2025
Financial Condition at period end:
Assets	$	2,098,046		$	2,087,453
Earning assets	$	1,879,432		$	1,807,780
Gross loans	$	1,605,422		$	1,521,704
Commercial Real Estate	$	616,483		$	570,808
Acquisition and Development	$	124,429		$	90,272
Commercial and Industrial	$	236,362		$	277,034
Residential Mortgage	$	564,073		$	536,912
Consumer	$	64,075		$	46,678
Investment securities	$	271,242		$	279,534
Total deposits	$	1,787,729		$	1,735,149
Noninterest bearing	$	455,127		$	453,036
Interest bearing	$	1,332,602		$	1,282,113
Shareholders' equity	$	213,988		$	203,634

Capital ratios:

Tier 1 to risk weighted assets		15.34	%		15.36	%
Common Equity Tier 1 to risk weighted assets		13.59	%		13.52	%
Tier 1 Leverage		12.83	%		12.21	%
Total risk based capital		16.60	%		16.61	%

Asset quality:

Net charge-offs for the quarter	$	(138	)	$	(99	)
Nonperforming assets: (Period End)
Nonaccrual loans	$	3,162		$	4,192
Loans 90 days past due and accruing		604			477
Total nonperforming loans and 90 day past due	$	3,766		$	4,669

Other real estate owned	$	-		$	1,083
Other repossessed assets	$	2,692		$	2,802
Modified loans	$	6,913		$	1,209

Allowance for credit losses to gross loans		1.36	%		1.28	%
Allowance for credit losses to non-accrual loans		688.20	%		464.46	%
Allowance for credit losses to non-performing assets		336.96	%		227.61	%
Non-performing and 90 day past due loans to total loans		0.23	%		0.31	%
Non-performing loans and 90 day past due loans to total assets		0.18	%		0.22	%
Non-accrual loans to total loans		0.20	%		0.28	%
Non-performing assets to total assets		0.31	%		0.41	%

	September 30,			June 30,			March 31,			December 31,			September 30,			June 30,			March 31,
(Dollars in thousands, except per share data)	2026			2026			2026			2025			2025			2025			2025
Results of Operations:
Interest income	$	26,979		$	26,169		$	25,711		$	26,153		$	25,762		$	24,871		$	24,062
Interest expense		7,365			7,583			7,637			8,166			8,359			8,164			8,046
Net interest income		19,614			18,586			18,074			17,987			17,403			16,707			16,016
Provision for credit losses		1,930			781			879			717			510			860			656
Other operating income		5,486			5,319			5,208			5,330			5,074			4,940			4,822
Net gains		121			39			132			(97	)		261			146			92
Other operating expense		13,815			15,765			13,693			14,869			12,986			12,974			12,576
Income before taxes	$	9,476		$	7,398		$	8,842		$	7,634		$	9,242		$	7,959		$	7,698
Income tax expense		2,295			1,731			2,179			1,857			2,294			1,975			1,892
Net income	$	7,181		$	5,667		$	6,663		$	5,777		$	6,948		$	5,984		$	5,806

Per share data:
Basic net income per share	$	1.11		$	0.88		$	1.03		$	0.89		$	1.07		$	0.92		$	0.90
Diluted net income per share	$	1.11		$	0.88		$	1.03		$	0.89		$	1.07		$	0.92		$	0.89
Adjusted basic net income (1)	$	1.11		$	1.14		$	1.02		$	1.10		$	1.07		$	0.92		$	0.90
Adjusted diluted net income (1)	$	1.11		$	1.14		$	1.02		$	1.10		$	1.07		$	0.92		$	0.89
Dividends declared per share	$	0.28		$	0.26		$	0.26		$	0.26		$	0.26		$	0.22		$	0.22
Book value	$	33.15		$	32.91		$	31.84		$	31.33		$	30.65		$	29.43		$	28.35
Diluted book value	$	33.10		$	32.86		$	31.78		$	31.27		$	30.59		$	29.38		$	28.27
Tangible book value per share	$	31.41		$	31.16		$	30.08		$	29.56		$	28.87		$	27.64		$	26.55
Diluted Tangible book value per share	$	31.37		$	31.12		$	30.02		$	29.50		$	28.82		$	27.59		$	26.47

Closing market value	$	42.77		$	44.11		$	36.64		$	37.19		$	36.77		$	31.01		$	30.02
Market Range:
High	$	46.18		$	45.98		$	40.53		$	40.79		$	38.41		$	32.09		$	41.61
Low	$	42.16		$	36.27		$	35.02		$	33.63		$	32.02		$	25.90		$	29.38

Shares outstanding at period end: Basic		6,456,055			6,453,836			6,446,717			6,499,476			6,496,908			6,494,611			6,478,634
Shares outstanding at period end: Diluted		6,464,823			6,462,604			6,459,155			6,511,358			6,508,790			6,506,493			6,497,454

Performance ratios: (Year to Date Period End, annualized)
Return on average assets		1.26	%		1.20	%		1.29	%		1.21	%		1.24	%		1.20	%		1.19	%
Adjusted return on average assets (1)		1.36	%		1.36	%		1.28	%		1.28	%		1.24	%		1.20	%		1.19	%
Return on average shareholders' equity		12.37	%		11.92	%		13.06	%		12.70	%		13.23	%		12.78	%		12.83	%
Adjusted return on average shareholders' equity (1)		13.38	%		13.49	%		12.99	%		13.39	%		13.23	%		12.78	%		12.83	%
Net interest margin (Non-GAAP), includes tax exempt income of $221 and $160		3.94	%		3.89	%		3.83	%		3.67	%		3.64	%		3.61	%		3.56	%
Net interest margin GAAP		3.93	%		3.87	%		3.82	%		3.66	%		3.63	%		3.60	%		3.55	%
Efficiency ratio - non-GAAP (2)		56.51	%		57.49	%		58.45	%		58.19	%		58.73	%		59.66	%		59.95	%

(Dollars in thousands - Unaudited)	September 30, 2026			June 30, 2026			March 31, 2026			December 31, 2025
Assets
Cash and due from banks	$	73,725		$	84,195		$	89,220		$	129,830
Interest bearing deposits in banks		1,147			993			627			1,782
Cash and cash equivalents		74,872			85,188			89,847			131,612
Investment securities – available for sale (at fair value)		101,978			107,997			109,004			107,144
Investment securities – held to maturity (at cost)		168,212			170,259			172,672			171,361
Equity investments with readily determinable fair market values		1,052			1,044			1,035			1,029
Restricted investment in bank stock, at cost		1,621			1,621			1,621			4,630
Loans held for sale		—			—			132			130
Loans		1,605,422			1,572,131			1,525,466			1,521,704
Unearned fees		(711	)		(592	)		(512	)		(476	)
Allowance for credit losses		(21,761	)		(20,591	)		(19,951	)		(19,470	)
Net loans		1,582,950			1,550,948			1,505,003			1,501,758
Premises and equipment, net		29,149			29,550			30,020			29,665
Goodwill and other intangible assets		11,196			11,279			11,361			11,444
Bank owned life insurance		50,884			50,501			50,125			50,360
Deferred tax assets		9,499			8,072			9,141			8,730
Other real estate owned, net		—			—			1,083			1,083
Operating lease asset		788			862			939			1,015
Pension asset		23,140			24,044			20,036			20,798
Accrued interest receivable and other assets		42,705			40,727			36,991			46,694
Total Assets	$	2,098,046		$	2,082,092		$	2,039,010		$	2,087,453
Liabilities and Shareholders’ Equity
Liabilities:
Non-interest bearing deposits	$	455,127		$	441,365		$	451,303		$	453,036
Interest bearing deposits		1,332,602			1,294,148			1,299,400			1,282,113
Total deposits		1,787,729			1,735,513			1,750,703			1,735,149
Short-term borrowings		32,838			69,233			19,588			17,661
Long-term borrowings		30,929			30,929			30,929			95,929
Operating lease liability		927			1,009			1,095			1,180
Allowance for credit loss on off balance sheet exposures		2,074			1,463			1,418			1,218
Accrued interest payable and other liabilities		27,753			29,893			28,323			30,992
Dividends payable		1,808			1,678			1,692			1,690
Total Liabilities		1,884,058			1,869,718			1,833,748			1,883,819
Shareholders’ Equity:
Common Stock – par value $0.01 per share; Authorized 25,000,000 shares; issued and outstanding 6,456,055 shares at September 30, 2026, and 6,499,476 at December 31, 2025		65			64			64			65
Surplus		19,706			19,514			19,360			21,551
Retained earnings		221,636			216,262			212,255			207,284
Accumulated other comprehensive loss		(27,419	)		(23,466	)		(26,417	)		(25,266	)
Total Shareholders’ Equity		213,988			212,374			205,262			203,634
Total Liabilities and Shareholders’ Equity	$	2,098,046		$	2,082,092		$	2,039,010		$	2,087,453

	2026						2025
	Q3		Q2		Q1		Year to date			Q4			Q3			Q2		Q1
In thousands	(Unaudited)
Interest income
Interest and fees on loans	$	24,861	$	23,779	$	22,502	$	90,328		$	23,219		$	23,060		$	22,294	$	21,755
Interest on investment securities
Taxable		1,837		1,907		1,880		7,210			1,845			1,826			1,776		1,763
Exempt from federal income tax		59		59		59		218			59			57			57		45
Total investment income		1,896		1,966		1,939		7,428			1,904			1,883			1,833		1,808
Other		222		424		1,270		3,092			1,030			819			744		499
Total interest income		26,979		26,169		25,711		100,848			26,153			25,762			24,871		24,062
Interest expense
Interest on deposits		6,784		7,033		6,631		27,524			7,044			7,009			6,788		6,683
Interest on short-term borrowings		50		26		11		75			17			17			21		20
Interest on long-term borrowings		531		524		995		5,136			1,105			1,333			1,355		1,343
Total interest expense		7,365		7,583		7,637		32,735			8,166			8,359			8,164		8,046
Net interest income		19,614		18,586		18,074		68,113			17,987			17,403			16,707		16,016
Credit loss expense/(credit)
Loans		1,308		736		679		2,345			480			480			728		657
Debt securities held to maturity		11		—		—		43			—			43			—		—
Off balance sheet credit exposures		611		45		200		355			237			(13	)		132		(1	)
Provision for credit losses		1,930		781		879		2,743			717			510			860		656
Net interest income after provision for credit losses		17,684		17,805		17,195		65,370			17,270			16,893			15,847		15,360
Other operating income
Net gains on investments, available for sale		—		—		—		97			—			97			—		—
Gains on sale of residential mortgage loans		89		39		86		533			132			163			146		92
Gains/(Losses) on disposal of fixed assets		32		—		46		(228	)		(229	)		1			—		—
Net gains/(losses)		121		39		132		402			(97	)		261			146		92
Other Income
Service charges on deposit accounts		590		568		547		2,255			568			563			577		547
Other service charges		201		204		189		845			207			218			214		206
Trust department		2,723		2,684		2,554		9,824			2,667			2,448			2,386		2,323
Debit card income		1,045		1,046		931		4,057			1,173			980			983		921
Bank owned life insurance		384		376		539		1,408			364			355			348		341
Brokerage commissions		385		388		382		1,445			308			346			370		421
Other		158		53		66		332			43			164			62		63
Total other income		5,486		5,319		5,208		20,166			5,330			5,074			4,940		4,822
Total other operating income		5,607		5,358		5,340		20,568			5,233			5,335			5,086		4,914
Other operating expenses
Salaries and employee benefits		8,122		8,157		8,201		29,347			7,108			7,589			7,319		7,331
FDIC premiums		280		274		279		1,051			273			266			267		245
Equipment		484		525		521		2,217			559			515			565		578
Occupancy		683		690		725		2,860			817			679			675		689
Data processing		1,845		1,739		1,664		6,243			1,623			1,517			1,600		1,503
Marketing		263		193		234		904			288			182			196		238
Professional services		599		2,702		570		2,449			745			639			589		476
Contract labor		156		189		166		634			178			127			166		163
Telephone		96		93		96		380			97			89			96		98
Other real estate owned		4		59		123		2,235			1,866			69			208		92
Investor relations		60		85		60		306			55			57			132		62
Contributions		66		81		65		344			120			90			78		56
Other		1,157		978		989		4,435			1,140			1,167			1,083		1,045
Total other operating expenses		13,815		15,765		13,693		53,405			14,869			12,986			12,974		12,576
Income before income tax expense		9,476		7,398		8,842		32,533			7,634			9,242			7,959		7,698
Provision for income tax expense		2,295		1,731		2,179		8,018			1,857			2,294			1,975		1,892
Net Income	$	7,181	$	5,667	$	6,663	$	24,515		$	5,777		$	6,948		$	5,984	$	5,806
Basic net income per common share	$	1.11	$	0.88	$	1.03	$	3.78		$	0.89		$	1.07		$	0.92	$	0.90
Diluted net income per common share	$	1.11	$	0.88	$	1.03	$	3.77		$	0.89		$	1.07		$	0.92	$	0.89
Weighted average number of basic shares outstanding		6,455		6,451		6,483		6,490			6,499			6,496			6,489		6,474
Weighted average number of diluted shares outstanding		6,464		6,461		6,494		6,504			6,510			6,508			6,506		6,490
Dividends declared per common share	$	0.28	$	0.26	$	0.26	$	0.96		$	0.26		$	0.26		$	0.22	$	0.22

	Three months ended September 30,					Nine months ended September 30,
(in thousands, except for per share amount)	2026			2025		2026			2025
Net income - as reported	$	7,181		$	6,948	$	19,511		$	18,738
Adjustments:
Gain on disposal of fixed assets		(32	)		—		(78	)		—
Consulting fee on core processing contract		—			—		2,179			—
Income tax effect of adjustments		8			—		(508	)		—
Adjusted net income (non-GAAP)	$	7,157		$	6,948	$	21,104		$	18,738

Basic earnings per share - as reported	$	1.11		$	1.07	$	3.02		$	2.89
Adjustments:
Gain on disposal of fixed assets		—			—		(0.01	)		—
Consulting fee on core processing contract		—			—		0.26			—
Adjusted basic earnings per share (non-GAAP)	$	1.11		$	1.07	$	3.27		$	2.89

Diluted earnings per share - as reported	$	1.11		$	1.07	$	3.01		$	2.88
Adjustments:
Gain on disposal of fixed assets		—			—		(0.01	)		—
Consulting fee on core processing contract		—			—		0.26			—
Adjusted diluted earnings per share (non-GAAP)	$	1.11		$	1.07	$	3.26		$	2.88

	As of or for the three months ended				As of or for the nine months ended
	September 30,				September 30,
(in thousands, except per share data)	2026		2025		2026		2025
Per Share Data
Basic net income per share - as reported	$	1.11	$	1.07	$	3.02	$	2.89
Basic net income per share - non-GAAP		1.11		1.07		3.27		2.89
Diluted net income per share - as reported	$	1.11	$	1.07	$	3.01	$	2.88
Diluted net income per share - non-GAAP		1.11		1.07		3.26		2.88
Basic book value per share	$	33.15	$	30.65
Diluted book value per share		33.10		30.59

	Three Months Ended
	September 30
	2026								2025
(dollars in thousands)	Average Balance			Interest		Average Yield/Rate			Average Balance			Interest		Average Yield/Rate
Assets
Loans	$	1,580,631		$	24,897		6.25	%	$	1,501,876			23,072		6.09	%
Investment Securities:
Taxable		286,479			1,837		2.54	%		285,623			1,826		2.54	%
Non taxable		7,480			106		5.62	%		7,516			102		5.38	%
Total		293,959			1,943		2.62	%		293,139			1,928		2.61	%
Federal funds sold		52,274			177		1.34	%		70,731			697		3.91	%
Interest-bearing deposits with other banks		1,102			14		5.04	%		5,324			30		2.24	%
Other interest earning assets		2,668			31		4.61	%		5,660			92		6.45	%
Total earning assets		1,930,634			27,062		5.56	%		1,876,730			25,819		5.46	%
Allowance for credit losses		(20,866	)							(19,343	)
Non-earning assets		160,300								185,364
Total Assets	$	2,070,068							$	2,042,751
Liabilities and Shareholders’ Equity
Deposits
Interest-bearing demand deposits	$	406,335		$	1,798		1.76	%	$	367,771		$	1,509		1.63	%
Interest-bearing money markets- retail		569,149			3,848		2.68	%		489,088			3,834		3.11	%
Interest-bearing money markets- brokered		1			—		—	%		436			1		0.91	%
Savings deposits		156,736			39		0.10	%		163,433			43		0.10	%
Time deposits - retail		146,182			1,030		2.80	%		148,955			1,064		2.83	%
Time deposits - brokered		6,371			69		4.30	%		50,000			558		4.43	%
Total deposits		1,284,774			6,784		2.09	%		1,219,683			7,009		2.28	%
Short-term borrowings		20,732			50		0.96	%		21,378			17		0.32	%
Long-term borrowings		30,929			531		6.81	%		117,668			1,333		4.49	%
Total interest-bearing liabilities		1,336,435			7,365		2.19	%		1,358,729			8,359		2.44	%
Non-interest-bearing deposits		486,337								456,773
Other liabilities		31,965								31,020
Shareholders’ Equity		215,331								196,229
Total Liabilities and Shareholders’ Equity	$	2,070,068							$	2,042,751
Net interest income and spread				$	19,697		3.37	%				$	17,460		3.02	%
Net interest margin							4.05	%							3.69	%

	Nine Months Ended
	September 30,
	2026								2025
(dollars in thousands)	Average Balance			Interest		Average Yield/ Rate			Average Balance			Interest		Average Yield/ Rate
Assets
Loans	$	1,544,575		$	71,223		6.17	%	$	1,491,573		$	67,144		6.02	%
Investment Securities:
Taxable		289,495			5,624		2.60	%		285,293			5,365		2.51	%
Non taxable		7,488			317		5.66	%		7,158			284		5.30	%
Total		296,983			5,941		2.67	%		292,451			5,649		2.58	%
Federal funds sold		69,889			1,690		3.23	%		54,385			1,709		4.20	%
Interest-bearing deposits with other banks		1,433			43		4.01	%		3,899			65		2.23	%
Other interest earning assets		3,515			183		6.96	%		5,749			288		6.70	%
Total earning assets		1,916,395			79,080		5.52	%		1,848,057			74,855		5.42	%
Allowance for credit losses		(20,285	)							(18,812	)
Non-earning assets		172,002								184,309
Total Assets	$	2,068,112							$	2,013,554
Liabilities and Shareholders’ Equity
Deposits
Interest-bearing demand deposits	$	397,119		$	5,066		1.71	%	$	368,384		$	4,682		1.70	%
Interest-bearing money markets- retail		559,723			11,276		2.69	%		475,592			10,958		3.08	%
Interest-bearing money markets- brokered		56			1		2.39	%		357			7		2.62	%
Savings deposits		158,512			120		0.10	%		167,905			131		0.10	%
Time deposits - retail		148,061			3,324		3.00	%		146,985			3,241		2.95	%
Time deposits - brokered		20,737			661		4.26	%		45,398			1,461		4.30	%
Total deposits		1,284,208			20,448		2.13	%		1,204,621			20,480		2.27	%
Short-term borrowings		19,755			87		0.59	%		21,408			58		0.36	%
Long-term borrowings		49,500			2,050		5.54	%		119,830			4,031		4.50	%
Total interest-bearing liabilities		1,353,463			22,585		2.23	%		1,345,859			24,569		2.44	%
Non-interest-bearing deposits		471,165								447,478
Other liabilities		32,645								30,795
Shareholders’ Equity		210,839								189,422
Total Liabilities and Shareholders’ Equity	$	2,068,112							$	2,013,554
Net interest income and spread				$	56,495		3.29	%				$	50,286		2.98	%
Net interest margin							3.94	%							3.64	%