First United Bank & Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First United Bank & Trust is the primary bank subsidiary of its parent holding company, headquartered in Oakland, MD. The Q2 2026 balance sheet stands at $2.1B in assets, including $1.6B in loans. Profitability tracks the broader industry: ROA 1.17%, ROE 10.95%, NIM 4.02%. Regulatory capital is solid, 13.96% CET1 and 15.22% total risk-based capital ratio. Asset quality is pristine, 0.36% NPLs and a 2.69% Texas Ratio. Its footprint covers 23 branches concentrated in Maryland.
As of June 30, 2026, First United Bank & Trust reported a CET1 capital ratio of 13.96%, a return on assets of 1.17%, a nonperforming-loan ratio of 0.36%, a Texas ratio of 2.69%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 19 S 2nd St, Oakland, MD 21550
- County
- Garrett
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Former names
- First United National Bank & Trust (1983-1998)
- Offices
- 23 domestic
- Employees (FTE)
- 329
- Domestic deposits
- $1.74B
- Allowance for credit losses
- $20.6M
- Net charge-offs (YTD)
- $294K
- Average total assets
- $2.01B
- Average total loans
- $1.55B
- Average interest-bearing deposits
- $1.58B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4857
- Fed RSSD
- 61122
- SEC CIK
- 763907 → filed by FIRST UNITED CORPORATION
- Website
- https://www.mybank.com →
- Parent Holding Company
- FIRST UNITED CORPORATION (RSSD 1132672) · FUNC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Rush Jason Barry | CEO | Chairman, President & CEO |
| Sturm Tonya K. | CFO | EVP & CFO |
| Tasker Anthony James | COO | SVP & COO |
| Peterson Julie W | CCO | SVP & Chief Credit Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First United Bank & Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First United Bank & Trust, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First United Bank & Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.96% | 1.17% | 0.36% | 2.69% | 4.02% |
| Q1 2026 | 14.12% | 1.34% | 0.44% | 3.55% | 3.78% |
| Q4 2025 | 13.94% | 1.18% | 0.35% | 3.23% | 3.84% |
| Q3 2025 | 14.17% | 1.43% | 0.32% | 3.94% | 3.75% |
| Q2 2025 | 13.74% | 1.26% | 0.32% | 4.12% | 3.67% |
| Q1 2025 | 13.59% | 1.23% | 0.34% | 4.24% | 3.55% |
| Q4 2024 | 13.35% | 1.34% | 0.40% | 5.16% | 3.54% |
| Q3 2024 | 13.27% | 1.26% | 0.63% | 6.68% | 3.50% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 23 branches →
| 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 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 20, 1995 | M&A | merger | SEC |
| November 20, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 20, 1995 | Structure Change | Acquired Myersville Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 28, 1995 | M&A | merger | SEC |
| August 28, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 28, 1995 | Structure Change | Acquired First United Bank of West Virginia, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 21, 1983 | M&A | merger | SEC |
| November 21, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 21, 1983 | Structure Change | Acquired Cumberland Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 1970 | M&A | merger | SEC |
| January 2, 1970 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 1970 | Structure Change | Acquired The First National Bank of Barton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 4, 1960 | M&A | merger | SEC |
| April 4, 1960 | Structure Change | Acquired First National Bank of Friendsville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First United Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in MD, rank 20 of 71 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First United Bank & Trust
What are First United Bank & Trust's total assets?
As of the Q2 2026 filing, First United Bank & Trust reported total assets of $2.05 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First United Bank & Trust headquartered?
First United Bank & Trust is headquartered in Oakland, MD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
Is First United Bank & Trust FDIC-insured?
Yes. First United Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #4857). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First United Bank & Trust?
First United Bank & Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First United Bank & Trust's CET1 capital ratio?
First United Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 13.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First United Bank & Trust operate?
First United Bank & Trust operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First United Bank & Trust's Texas Ratio?
First United Bank & Trust's Texas Ratio is 2.69% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First United Bank & Trust previously called?
The charter now named First United Bank & Trust has also operated as First United National Bank & Trust (1983-1998), per FDIC structure-change records.
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