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First United Bank & Trust Locations & Branches Oakland, Maryland
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First United Bank & Trust operates 23 branches from its headquarters in Oakland, MD, .
First United Bank & Trust branch network
Its 23 branches span 2 states and 17 cities. The most are in MARYLAND (15) and WEST VIRGINIA (8). MARYLAND holds 72.9% of its branch deposits. Hagerstown, MD has the most of its branches, 3. Its largest office by deposits is its main office in Oakland, MD, with $307.7M (17.6% of its branch deposits). On June 30, 2025 it had 22 branches, 1 fewer than in 2026.
First United Bank & Trust at a glance
Its CET1 capital ratio was 13.96% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $2.05B
- CET1 ratio, Q2 2026
- 13.96%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 041
Full financial profile · Is First United Bank & Trust safe? · First United Bank & Trust call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Oakland, MD (2 branches) | 1 of 5 | 56.4% | $307.7M |
| State: MD (15 branches) | 20 of 69 | 0.6% | $1.27B |
Ranked by total assets among banks headquartered in the state: Largest banks in Maryland.
Share by county and metro area
First United Bank & Trust's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Garrett, MD (5 branches) | 1 of 6 | 62.5% | $509.9M | $816.0M |
| Allegany, MD (2 branches) | 1 of 5 | 35.6% | $309.9M | $871.1M |
| Frederick, MD (3 branches) | 10 of 15 | 3.9% | $258.6M | $6.62B |
| Washington, MD (5 branches) | 6 of 13 | 5.7% | $193.0M | $3.41B |
| Monongalia, WV (3 branches) | 8 of 13 | 3.2% | $166.3M | $5.15B |
| Berkeley, WV (3 branches) | 6 of 9 | 7.6% | $165.9M | $2.17B |
| Mineral, WV (2 branches) | 1 of 5 | 38.1% | $140.3M | $368.1M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Cumberland, MD-WV (4 branches) | 1 of 7 | 36.3% | $450.2M | $1.24B |
| Hagerstown-Martinsburg, MD-WV (8 branches) | 8 of 17 | 6.0% | $358.9M | $6.01B |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (3 branches) | 50 of 71 | <0.1% | $258.6M | $303.89B |
| Morgantown, WV (3 branches) | 8 of 13 | 2.9% | $166.3M | $5.66B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First United Bank & Trust (main office) | Oakland, MD | 21550 | $307.7M |
| Center City Branch | Cumberland, MD | 21502 | $275.4M |
| Riverside Branch | Frederick, MD | 21701 | $141.1M |
| Keyser Mall Branch | Keyser, WV | 26726 | $105.3M |
| Lake Branch | Mc Henry, MD | 21541 | $95.6M |
| Grantsville Branch | Grantsville, MD | 21536 | $83.8M |
| Edwin Miller Blvd Branch | Martinsburg, WV | 25404 | $74.3M |
| Hagerstown Commons Branch | Hagerstown, MD | 21740 | $74.0M |
| Sabraton Office Branch | Morgantown, WV | 26505 | $72.3M |
| Myersville Branch | Myersville, MD | 21773 | $63.4M |
| Smithsburg Community Branch Office | Smithsburg, MD | 21783 | $63.2M |
| West Ridge Community Office Branch | Westover, WV | 26501 | $54.8M |
| Frederick Branch | Frederick, MD | 21702 | $54.1M |
| Potomac Branch | Falling Waters, WV | 25419 | $46.7M |
| South Berkeley Branch | Inwood, WV | 25428 | $44.9M |
| Suncrest Centre Branch | Morgantown, WV | 26505 | $39.2M |
| Wesel Blvd. Branch | Hagerstown, MD | 21740 | $38.5M |
| Tri Towns Branch | Piedmont, WV | 26750 | $35.0M |
| Bel Air Branch | Cumberland, MD | 21502 | $34.4M |
| Friendsville Branch | Friendsville, MD | 21531 | $22.7M |
| Emerald Pointe | Hagerstown, MD | 21742 | $12.1M |
| Boonsboro Community Office Branch | Boonsboro, MD | 21713 | $5.3M |
| 12894 Garrett Highway | Oakland, MD | 21550 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 4857) · FFIEC NIC profile (RSSD 61122)