First United Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First United Bank & Trust of Oakland, MD against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.17% | 1.46% | -0.29% | 42nd below |
| ROAE | 10.95% | 12.72% | -1.77% | 40th below |
| Net Interest Margin | 4.02% | 3.85% | +0.17% | 69th above |
| Efficiency Ratio | 64.45% | 57.40% | +7.05% | 33rd below |
| PPNR / Avg Assets | 1.69% | 1.88% | -0.19% | 48th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.54% | 5.72% | -0.18% | 50th above |
| Cost of Funds | 1.38% | 2.02% | -0.64% | 84th top |
| Net Interest Spread | 3.44% | 3.18% | +0.26% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 1.00% | -0.64% | 68th above |
| NPA / Total Assets | 0.28% | 0.76% | -0.48% | 67th above |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 52nd above |
| ACL / Total Loans | 1.31% | 1.31% | +0.00% | 71st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 360.42% | 543.50% | -183.08% | 74th above |
| Texas Ratio | 2.69% | 7.39% | -4.70% | 70th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 481.29% | 618.73% | -137.44% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.96% | 17.34% | -3.38% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.96% | 17.37% | -3.41% | 57th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.22% | 18.42% | -3.20% | 60th above |
| Leverage Ratio | 11.56% | 11.44% | +0.12% | 71st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.60% | 11.34% | -0.74% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.10% | 10.50% | -0.40% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.16% | 86.95% | +3.21% | 45th below |
| Core Deposit Ratio | 95.83% | 85.55% | +10.28% | 89th top |
| Uninsured Deposit Ratio | 22.67% | 33.13% | -10.46% | 78th top |
| Wholesale Funding Ratio | 3.37% | 5.71% | -2.34% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.69% | 9.69% | -6.00% | 40th below |
| Loan Growth (Y/Y) | 4.63% | 8.06% | -3.43% | 44th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.41% | 7.87% | -0.46% | 64th above |
See First United Bank & Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First United Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First United Bank & Trust profile, how to read a UBPR, or how this data updates.