First United Bank & Trust
Oakland, MD
IDRSSD: 61122
Total Assets
$2.06B
Latest filing
Total Deposits
$1.74B
Latest filing
Net Interest Margin
3.91%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First United Bank & Trust
19 S 2nd St
Oakland, MD 21550
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1900FDIC Certificate 3235
Branches (21)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| First United Bank & Trust (Main) | 19 S 2nd St | Oakland, MD |
| SOUTH BERKELEY BRANCH | U.S. Route 11 And State Route 51 | Inwood, WV |
| POTOMAC BRANCH | U.S. 11 And Grade Road | Falling Waters, WV |
| FRIENDSVILLE BRANCH | Maple Street And First Avenue | Friendsville, MD |
| GRANTSVILLE BRANCH | U.S. Route 40, Main Street | Grantsville, MD |
| LAKE BRANCH | 38 Vacation Way | Mc Henry, MD |
| BEL AIR BRANCH | 14300 Barton Blvd Sw | Cumberland, MD |
| KEYSER MALL BRANCH | 29 Southern Dr | Keyser, WV |
Showing 7 of 21
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1900 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 21550 |
| State and County Number | 24023 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 312 |
| Domestic Offices | 22 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | https://www.mybank.com |
| Data Updated | 01/30/2026 |
| CERT | 4857 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.06B |
| Total Deposits | $1.74B |
| Total Liabilities | $1.85B |
| Total Equity Capital | $207.81M |
| Net Income | $5.98M |
| Net Loans and Leases | $1.50B |
| Assets Per Employee ($Millions) | $6.4M |
| Bank Premises and Fixed Assets | $30.68M |
| Cash and Balances due from Depository Institutions | $131.61M |
| Deposits Held in Domestic Offices | $1.74B |
Key Performance Ratios
| Return on Assets (ROA) | 1.18% |
| Return on Equity (ROE) | 11.62% |
| Net Interest Margin | 3.91% |
| Efficiency Ratio | 60% |
| Tier 1 Risk-Based Capital Ratio | 13.943% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.084% |
| Earning Assets to total Assets | 91.5% |
Income and Expense
| Total Interest Income | $25.83M |
| Total Noninterest Income | $3.58M |
| Total Interest Expense | $7.73M |
| Total Noninterest Expense | $13.09M |
| Net Interest Income | $18.10M |
| Pre-tax Net Operating Income | $7.87M |
| Provision for Credit Losses | $717.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.08M |
| Other borrowed funds | $65.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $17.66M |
| All Other Liabilities | $26.70M |
| Total Liabilities and Capital | $2.06B |
Securities
| Securities | $264.88M |
| Available-for-sale debt securities | $92.49M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $171.46M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First United Bank & Trust?
$2.06B as of the latest filing.
How much are First United Bank & Trust's total deposits?
$1.74B in total deposits.
Where is First United Bank & Trust located?
Oakland, MD.
What is the Net Interest Margin?
3.91%.
How many domestic offices does it operate?
22.
When was it established?
01/01/1900.
What is the Return on Assets (ROA)?
1.18%.
How much are total loans and leases?
$1.50B (latest filing).
What is the total interest income (latest filing)?
$25.83M.