First United Bank & Trust

First United Bank & Trust

Overview / Commentary
19 South Second Street
Oakland, MD 21550

First United Bank & Trust is headquartered in Oakland and is the 8th largest bank in the state of Maryland. It is also the 590th largest bank in the nation. It was established in 1900 and as of March of 2020, it had grown to 288 employees at 25 locations. First United Bank & Trust has a B+ health rating.

Reviews (2)

Great Customer Service

Posted by: |

I couldn’t been happier to have found First United Bank (thanks to a recommendation from my CPA). They are great to work with! Immediate response, they listen to your needs and come up with solutions, and solutions I like! They are nimble and personable, I don’t feel the weight of a huge pyramid of decision makers, things happen quickly. I’ve been working with large and small banks for the past 20 years, and I’m planning on transferring all my accounts to First United. Stellar!

Great Bank

Posted by: |

Bank has failed history of exercising due diligence as a bank custodians maintaining the safety of clients accounts. Branch Managers who deceive or mislead either deliberately or inadvertently the banks operating procedures reassuring client’s funds are safe with First United Bank & Trust, perceptually misleading and deceptive, not illegal but unfair immoral, unethical, and oppressive financial business practice.


Health Grade Components

FDIC Certificate #4857
Year Established1900
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.54%
Annual Interest Income$14.4MM
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$1.44B$1.40B
LoansQ1 2020vs Q1 2019$1.04B$993.1MM
DepositsQ1 2020vs Q1 2019$1.18B$1.13B
Equity CapitalQ1 2020vs Q1 2019$137.3MM$137.5MM
Loan Loss AllowanceQ1 2020vs Q1 2019$15.0MM$11.5MM
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$11.5MM$11.3MM
Real Estate OwnedQ1 2020vs Q1 2019$4.0MM$6.2MM

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