First United Bank&Trust
Oakland, Maryland · FDIC Cert #4857
First United Bank&Trust is an FDIC-insured bank (Certificate #4857) with $1.8B in total assets and $1.5B in total deposits as of the Q2 2024 Call Report. Headquartered in Oakland, Maryland, the bank maintains a Tier 1 capital ratio of 13.16% (Well-Capitalized) and a nonperforming loan ratio of 0.70%. BankHealthData assigns a composite Health Grade of B (74/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First United Bank&Trust (FDIC cert 4857) is a mid-sized bank with $1.8B in total assets and $1.5B in deposits, based in Oakland, Maryland. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 13.16% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.70% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 16.2% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.26% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. First United Bank&Trust carries a composite BankHealth grade of B (74/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First United Bank&Trust
- Total Assets
- $1.8B
- Total Deposits
- $1.5B
- Tier 1 Capital Ratio
- 13.16%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.70%
- Liquidity Ratio
- 16.23%
- Return on Assets
- 1.26%
- Headquarters
- Oakland, Maryland
- FDIC Certificate
- #4857
- Health Grade
- B (74/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First United Bank&Trust holds a Tier 1 capital ratio of 13.16%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First United Bank&Trust has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First United Bank&Trust shows strong financial health indicators. With $1.8B in assets and a Health Score of 74/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First United Bank&Trust Compares
First United Bank&Trust’s Health Score of 74 is 5 points above the Maryland state average of 69 across 28 FDIC-insured banks. Its 13.16% Tier 1 capital ratio is 0.8 points below the US banking industry average near 14%. The 0.70% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.26% is in line with or above the national ROA benchmark of ~1.1%. Among 666 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, First United Bank&Trust is 4 points above the portfolio average of 70.
Frequently Asked Questions
First United Bank&Trust has a Bank Health Score of B (74/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.16%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First United Bank&Trust's Tier 1 capital ratio of 13.16% and nonperforming loan ratio of 0.70% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First United Bank&Trust is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4857). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First United Bank&Trust holds $1.8B in total assets and $1.5B in total deposits. It is headquartered in Oakland, Maryland (FDIC Certificate #4857).
First United Bank&Trust has a Tier 1 capital ratio of 13.16%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.70%, and the return on assets is 1.26%.
Yes. First United Bank&Trust is FDIC-insured (Certificate #4857). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First United Bank&Trust's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.