First United Bank & Trust
Oakland, MD · Owner: First United Corp
$2.1B
total assets, June 30, 2026
$2.1B
total assets, June 30, 2026
First United Bank & Trust is a state nonmember bank based in Oakland, MD, owned by First United Corp. As of June 30, 2026 it held $2.1 billion in assets and $1.7 billion in deposits; assets were up 3.7% from a year before. It has 23 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$2.1B
+3.7% in a year · +2.1% in a quarter
Deposits
$1.7B
+7.4% in a year · -0.8% in a quarter
Loans
$1.6B
+4.6% in a year · +3.1% in a quarter
Profit so far
$12.8M
Jan 1 to Jun 30, 2026 · +4.7% in a year
Capital ratio
11.56%
+0.69 pts in a year
Return on assets
1.25%
+0.01 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 19 S 2nd St, Oakland, MD, 21550
- County
- Garrett
- Holding company
- First United Corp
- Established
- Jan 1, 1900
- Employees
- 329
- Branches
- 23 in 2 states
- Website
- www.mybank.com
- Id
- b4857
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
23 offices as of June 30, 2026, holding $1.7 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Maryland | 15 | $1.3B | 72.9% |
| West Virginia | 8 | $472M | 27.1% |
| Largest branches | Place | Deposits |
|---|---|---|
| First United Bank & Trust (main office) | Oakland, MD | $308M |
| Center City Branch | Cumberland, MD | $275M |
| Riverside Branch | Frederick, MD | $141M |
| Keyser Mall Branch | Keyser, WV | $105M |
| Lake Branch | Mc Henry, MD | $95.6M |
| Grantsville Branch | Grantsville, MD | $83.8M |
| Edwin Miller Blvd Branch | Martinsburg, WV | $74.3M |
| Hagerstown Commons Branch | Hagerstown, MD | $74.0M |
| Sabraton Office Branch | Morgantown, WV | $72.3M |
| Myersville Branch | Myersville, MD | $63.4M |
Related pages
Questions and answers
How big is First United Bank & Trust?
$2.1 billion in total assets and $1.7 billion in deposits as of June 30, 2026, with assets up 3.7% from a year before. Its loans were $1.6 billion.
How many branches does First United Bank & Trust have?
23 branches in 2 states as of June 30, 2026. The most deposits are in Maryland ($1.3 billion).
Is First United Bank & Trust profitable?
Yes: it earned $12.8 million from January 1 to June 30, 2026 (up 4.7% from the same months a year before). Its return on assets was 1.25% a year; about 1% is typical.
Who owns First United Bank & Trust?
First United Bank & Trust is owned by First United Corp, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.