First United Bank & Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 3.38 percentage points in Q2 2026, from 86.77% to 90.16%. It was the largest change from Q1 2026 among the key lines here. Within Maryland, First United Bank & Trust is 10th of 27 on loan-to-deposit ratio, 90.16% as of Q2 2026, above the middle of the field. At 90.16%, First United Bank & Trust's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.57B |
| Net loans and leases | $1.55B |
| Loans held for sale | $0 |
| Loans to total assets | 76.50% |
| Loan-to-deposit ratio | 90.16% |
| Net loans to equity capital | 7.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.97% |
| Multifamily (5+ residential) | 3.11% |
| Commercial and industrial | 14.61% |
| Consumer | 3.48% |
| Credit cards | 0.00% |
| Farm | 0.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 201.68% |
| Construction concentration (Tier 1 capital + allowance) | 40.60% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.15% |
| Interest income on loans | $23.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.38B | $1.59B | 31.75% | 17.82% | 4.52% |
| Q4 2023 | $1.41B | $1.56B | 31.20% | 18.85% | 4.33% |
| Q1 2024 | $1.41B | $1.58B | 31.10% | 18.70% | 4.16% |
| Q2 2024 | $1.42B | $1.55B | 31.46% | 17.83% | 3.98% |
| Q3 2024 | $1.45B | $1.55B | 30.73% | 18.18% | 3.78% |
| Q4 2024 | $1.48B | $1.58B | 31.66% | 18.32% | 3.55% |
| Q1 2025 | $1.48B | $1.63B | 32.33% | 18.03% | 3.39% |
| Q2 2025 | $1.50B | $1.62B | 33.10% | 17.62% | 3.27% |
| Q3 2025 | $1.50B | $1.69B | 33.29% | 17.54% | 3.19% |
| Q4 2025 | $1.52B | $1.74B | 33.79% | 17.54% | 3.03% |
| Q1 2026 | $1.53B | $1.76B | 35.93% | 15.33% | 2.98% |
| Q2 2026 | $1.57B | $1.74B | 35.97% | 14.61% | 3.48% |
First United Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First United Bank & Trust, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First United Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4857) · FFIEC NIC profile (RSSD 61122)