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First United Bank & Trust

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

Designations: ✓ Community bank

Oakland, MD

23 branches across MD · WV

884 banks in the $1B-$10B peer group nationally 9 in MD
View $1B-$10B leaderboard (MD) →

First United Bank & Trust has 3 strengths but faces 2 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 0.08% above tier average
  • + Efficiency Ratio 3.75% below tier average
  • + Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 5.5% in tier
  • - Credit Quality Pressure: Bottom 11.9% in tier
Get updates when First United Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Total Assets ? $2.0B
+2.9% YoY -2.3% QoQ
-$802.9M $2.8B
-0.1% YoY
$1.8B
+4.9% YoY
$6.2B
+9.1% YoY
51%
Total Loans ? $1.5B
+3.0% YoY +0.2% QoQ
-$459.2M $2.0B
+0.6% YoY
$1.3B
+7.3% YoY
$3.2B
+10.8% YoY
54%
Total Deposits ? $1.8B
+7.7% YoY +0.8% QoQ
-$585.2M $2.3B
-0.3% YoY
$1.6B
+7.4% YoY
$4.8B
+8.2% YoY
52%
Return on Assets ? 1.35%
+10.5% YoY +6.1% QoQ
-0.01% 1.37%
+19.6% YoY
0.90%
+4.7% YoY
1.23%
+13.4% YoY
61%
Net Interest Margin ? 3.90%
+7.9% YoY +3.3% QoQ
+0.08% 3.82%
+6.9% YoY
3.69%
+5.2% YoY
3.89%
+5.7% YoY
66%
Efficiency Ratio ? 57.32%
-2.6% YoY -1.6% QoQ
-3.75% 61.06%
-4.6% YoY
68.69%
-3.5% YoY
66.95%
-4.1% YoY
58%
Delinquency Rate ? 0.32%
+8.5% YoY +1.8% QoQ
-0.57% 0.89%
+14.1% YoY
1.00%
+1.9% YoY
0.95%
+18.8% YoY
68%
Loan-to-Deposit Ratio ? 85.64%
-4.4% YoY -0.6% QoQ
+1.44% 84.20%
+0.3% YoY
87.36%
+2.8% YoY
76.70%
+0.9% YoY
52%
Non-Interest-Bearing Deposit Share ? 25.67%
-0.8% YoY -1.2% QoQ
+4.38% 21.29%
-2.5% YoY
20.21%
-0.6% YoY
22.01%
-1.2% YoY
73%
Nonperforming Asset Ratio ? 0.29%
-22.4% YoY +4.1% QoQ
-0.38% 0.67%
+15.6% YoY
0.86%
+7.2% YoY
0.67%
+19.3% YoY
64%
Tier 1 Capital Ratio ? 14.12%
+3.9% YoY +1.2% QoQ
-1.04% 15.16%
+2.0% YoY
16.27%
-0.9% YoY
17.06%
+0.8% YoY
64%
Non-Interest Income / Assets ? 0.26%
+5.7% YoY -71.0% QoQ
+0.01% 0.26%
+1.6% YoY
0.12%
-21.7% YoY
0.32%
+4.1% YoY
82%

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
#24 of 420 • Bottom 5.5% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ

Credit Quality Pressure

risk
#62 of 513 • Bottom 11.9% 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: 0.89%, National: 0.95%)
better than tier avg
513 of 513 Mid-Market banks match · 1899 nationally
→ Stable +2 banks QoQ

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).
Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

156
Non-Interest Income / Assets
revenue_mix
Value: 0.26%
Peer Median: 0.26%
#156 of 884 Top 17.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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