BlastPoint's Banking Scorecard

First United Bank & Trust

$1B-$10B Specialty: Commercial MD FDIC cert 4857

Designations: ✓ Community bank

Oakland, MD

23 branches across MD · WV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 10 in MD.
Deposits +7.4% year over year ($1.7B on the books).
Delinquency rate 0.32%.
Return on assets 1.25%.
Efficiency ratio 60.95% vs a 59.73% peer average.
Loan-to-deposit ratio 88.98% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 10 in MD

View $1B-$10B leaderboard (MD) →

First United Bank & Trust has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.09% above tier average
+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 11.7% in tier
- Credit Quality Pressure: Bottom 13.2% in tier
- ROA 0.14% below tier average
- Efficiency Ratio 1.23% above tier average

Get updates when First United Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$2.1B +3.7% YoY +2.1% QoQ	-$738.3M	$2.8B -0.6% YoY	$1.8B +4.0% YoY	$6.3B +7.7% YoY	51%
Total Loans ?	$1.6B +4.6% YoY +3.0% QoQ	-$411.7M	$2.0B -0.3% YoY	$1.3B +3.8% YoY	$3.2B +9.4% YoY	55%
Total Deposits ?	$1.7B +7.4% YoY -0.8% QoQ	-$575.1M	$2.3B -0.5% YoY	$1.6B +4.1% YoY	$4.9B +7.3% YoY	52%
Return on Assets ?	1.25% +0.5% YoY -7.6% QoQ	-0.14%	1.39% +17.0% YoY	0.92% +12.6% YoY	1.30% +12.1% YoY	49%
Net Interest Margin ?	3.96% +7.6% YoY +1.4% QoQ	+0.09%	3.87% +6.2% YoY	3.72% +5.0% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	60.95% +4.4% YoY +6.3% QoQ	+1.23%	59.73% -12.6% YoY	67.38% -3.5% YoY	70.05% +2.5% YoY	44%
Delinquency Rate ?	0.32% +7.9% YoY -0.1% QoQ	-0.55%	0.87% +11.7% YoY	1.07% +9.6% YoY	0.98% +16.3% YoY	67%
Loan-to-Deposit Ratio ?	88.98% -2.6% YoY +3.9% QoQ	+3.94%	85.04% -0.1% YoY	87.38% +1.5% YoY	79.03% +2.3% YoY	45%
Non-Interest-Bearing Deposit Share ?	25.31% -3.5% YoY -1.4% QoQ	+4.04%	21.27% -1.5% YoY	20.47% +3.3% YoY	21.98% -0.6% YoY	72%
Nonperforming Asset Ratio ?	0.24% -35.9% YoY -17.8% QoQ	-0.44%	0.67% +11.7% YoY	0.90% +8.0% YoY	0.69% +15.8% YoY	68%
Tier 1 Capital Ratio ?	13.96% +1.7% YoY -1.1% QoQ	-0.88%	14.84% -0.4% YoY	16.33% +1.1% YoY	17.09% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.52% +3.9% YoY +97.0% QoQ	-0.01%	0.53% +2.5% YoY	0.25% +1.8% YoY	0.66% +5.2% YoY	82%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Noninterest-Bearing	25.3% -0.9pp YoY -0.4pp QoQ	+3.9pp	21.4%	21.3%	22.2%	72%
Brokered Deposits	1.4% -1.6pp YoY 0.0pp QoQ	-8.0pp	9.5%	10.7%	8.5%	22%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
C&I	14.8% -3.0pp YoY -0.7pp QoQ	+0.8pp	14.0%	8.9%	12.5%	67%
CRE	46.2% +3.0pp YoY 0.0pp QoQ	-3.8pp	50.0%	50.0%	41.4%	39%
1-4 Family	35.3% +0.1pp YoY +0.3pp QoQ	+8.8pp	26.4%	37.9%	31.3%	75%
Consumer	3.5% +0.2pp YoY +0.5pp QoQ	-1.2pp	4.7%	3.2%	5.0%	77%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
CET1 Ratio	14.0% +0.2pp YoY -0.2pp QoQ	-1.6pp	15.6%	16.4%	19.7%	57%
Leverage Ratio	11.6% +0.7pp YoY +0.4pp QoQ	+0.2pp	11.3%	13.0%	12.6%	71%
Total Capital Ratio	15.2% +0.2pp YoY -0.2pp QoQ	-1.5pp	16.7%	17.5%	20.8%	60%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Full-Time Employees	329 +18 (+5.8%) YoY +6 (+1.9%) QoQ	+15	313	170	482	70%
Assets per Employee ($)	$6.2M -2.0% YoY +0.2% QoQ	-$4.2M	$10.5M	$9.4M	$8.8M	14%
Branch Count	23 +1 (+4.5%) YoY 0 QoQ	+3	20	9	18	72%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.2%	0.4%	46%
Nonaccrual	0.3% 0.0pp YoY 0.0pp QoQ	-0.5pp	0.8%	1.1%	1.0%	30%
Allowance Coverage	4.20x -4.2% YoY +0.2% QoQ	-14.51x	18.71x	46.66x	20.23x	74%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	49%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
ROE	12.0% -0.8pp YoY -1.1pp QoQ	-0.6pp	12.6%	8.0%	11.6%	49%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.9%	1.9%	1.7%	24%
Net Income ($, YTD)	$12.8M +4.7% YoY — QoQ	-$6.5M	$19.2M	$8.4M	$40.4M	52%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#48 of 402 • Bottom 11.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#66 of 492 • Bottom 13.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.32%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

163

Non-Interest Income / Assets

revenue_mix

Value: 0.52%

Peer Median: 0.53%

#163 of 885 Top 18.3% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available