First United Bank & Trust

First United Bank & Trust of Oakland, MD, chartered 1900: 22 offices, $2.05bn in assets, a 11.56% leverage ratio. Straight from the federal record.

First United Bank & Trust is an FDIC-insured community bank headquartered in Oakland, MD, chartered in 1900. It is supervised by the FDIC and held by First United Corp. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where First United Bank & Trust has branches

22 full-service offices across 2 states:

• Maryland: 14 offices in 10 towns, holding $1.19bn at 30 June 2025
• West Virginia: 8 offices in 7 towns, holding $431m at 30 June 2025

First United Bank & Trust on its latest Call Report, 30 June 2026

• Total assets: $2.05bn
• Total deposits: $1.74bn
• Tier 1 leverage ratio: 11.56%
• Total risk-based capital ratio: 15.22%
• Noncurrent loans, as a share of loans: 0.31%
• Return on assets: 1.25%
• Net interest margin: 3.96%
• Staff: 329

Compare First United Bank & Trust against every other bank with a branch in Maryland, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.