First United Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 60.54 percentage points in Q2 2026, from 299.88% to 360.42%. It was the largest change from Q1 2026 among the key lines here. First United Bank & Trust ranks 12th of 27 Maryland banks on return on assets, in the upper half at 1.17% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. First United Bank & Trust sits 0.11 points lower, at 1.17% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.96% |
| Tier 1 risk-based capital ratio | 13.96% |
| Total risk-based capital ratio | 15.22% |
| Tier 1 leverage ratio | 11.56% |
| Equity capital to assets | 10.60% |
| Tangible equity to tangible assets | 10.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 2.69% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 360.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 10.95% |
| Net interest margin | 4.02% |
| Efficiency ratio | 64.45% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.16% |
| Core deposits to total deposits | 95.83% |
| Brokered deposits to total deposits | 1.43% |
| Deposits to assets | 84.86% |
| Securities to assets | 12.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.88% | 12.88% | 14.12% | 9.81% | 0.98% |
| Q4 2023 | 12.81% | 12.81% | 14.05% | 9.92% | 0.41% |
| Q1 2024 | 12.92% | 12.92% | 14.17% | 10.08% | 0.80% |
| Q2 2024 | 13.16% | 13.16% | 14.41% | 10.47% | 1.10% |
| Q3 2024 | 13.27% | 13.27% | 14.52% | 10.68% | 1.26% |
| Q4 2024 | 13.35% | 13.35% | 14.59% | 10.70% | 1.34% |
| Q1 2025 | 13.59% | 13.59% | 14.84% | 10.76% | 1.23% |
| Q2 2025 | 13.74% | 13.74% | 14.99% | 10.87% | 1.26% |
| Q3 2025 | 14.17% | 14.17% | 15.42% | 10.91% | 1.43% |
| Q4 2025 | 13.94% | 13.94% | 15.19% | 11.01% | 1.18% |
| Q1 2026 | 14.12% | 14.12% | 15.37% | 11.13% | 1.34% |
| Q2 2026 | 13.96% | 13.96% | 15.22% | 11.56% | 1.17% |
First United Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First United Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)