First United Bank & Trust

BankOakland, Maryland
https://www.mybank.com

Total Assets

$2.1B

Total Deposits

$1.7B

Branches

22

Established

1900

TFS Health Grade

$
C+

78.5 / 100

Average financial health

How we grade

First United Bank & Trust is a bank headquartered in Oakland, Maryland, established in 1900. With $2.1B in total assets and 22 branch locations, it has a TFS Financial Health Grade of C+ (78.5/100).

Capital & Safety

Tier 1 Capital Ratio
11.01%(8%)
Total Capital Ratio
15.19%(10%)
Non-Performing Loan Ratio
0.31%

Profitability

Return on Assets (ROA)
1.27%(1%)
Return on Equity (ROE)
12.87%(10%)
Net Interest Margin
3.78%
Efficiency Ratio
58.23%(60%)

Lending & Liquidity

Total Loans
$1.5B
Loan-to-Deposit Ratio
86.16%
Net Charge-Off Ratio
0.07%

Growth

Asset Growth (YoY)
+5.78%
Deposit Growth (YoY)
+10.25%
Net Income
$25.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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