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First United Bank & Trust
Oakland, MD · FDIC Certificate #4857 · Chartered 01/0
Total assets
$2.05B
Total deposits
$1.74B
Total equity
$217.78M
Net loans
$1.55B
Branches (offices)
23
Net income (YTD)
$12.75M
Rank: #594 of 4,213 U.S. banks by assets · #6 of 27 in Maryland. Assets changed 3.7% and deposits 7.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.25% |
| Return on equity | 12.02% |
| Net interest margin (YTD) | 3.96% |
| Equity to assets | 10.60% |
| Tier 1 leverage ratio | 11.56% |
| Uninsured deposits (share of deposits) | 22.7% |
| Noncurrent loans (share of loans) | 0.31% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 89.0% |
| Real estate loans (share of loans) | 82.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.28B | 82.2% | |
| Commercial & industrial | $229.69M | 14.8% | |
| Consumer / individual | $54.69M | 3.5% | |
| Construction & development | $102.21M | 6.6% | |
| Agricultural | $1.04M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.73B | $1.49B | $11.67M | $145.32M |
| Jun 2023 | $1.91B | $1.59B | $9.04M | $156.74M |
| Jun 2024 | $1.84B | $1.55B | $8.91M | $170.94M |
| Jun 2025 | $1.98B | $1.62B | $12.19M | $196.40M |
| Jun 2026 | $2.05B | $1.74B | $12.75M | $217.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $1.27B | 15 |
| West Virginia | $472.48M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.74B.
Similar-sized banks
Square Financial Services, Inc. ($2.06B) · Peoples Bank ($2.04B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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