Total Assets
$2.1B
Total Deposits
$1.7B
Branches
23
Established
1900
First United Bank & Trust is a bank headquartered in Oakland, Maryland, established in 1900. It holds $2.1B in total assets across 23 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First United Bank & Trust earns a TFS Financial Health Grade of A- (86.0/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
86.0 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First United Bank & TrustHQ | 19 S 2nd St | Oakland | MD | 11 |
| First United Bank & Trust | 207 N Main St | Boonsboro | MD | 11 |
| First United Bank & Trust | 14300 Barton Blvd Sw | Cumberland | MD | 11 |
| First United Bank & Trust | Centre And Harrison Streets | Cumberland | MD | 11 |
| First United Bank & Trust | 102 Baughmans Ln | Frederick | MD | 11 |
| First United Bank & Trust | 1990 Mononcacy Boulevard | Frederick | MD | 11 |
| First United Bank & Trust | Maple Street And First Avenue | Friendsville | MD | 11 |
| First United Bank & Trust | U.S. Route 40, Main Street | Grantsville | MD | 11 |
| First United Bank & Trust | 130 S Edgewood Dr | Hagerstown | MD | 11 |
| First United Bank & Trust | 19405 Emerald Sq | Hagerstown | MD | 11 |
| First United Bank & Trust | 1646 Wesel Blvd | Hagerstown | MD | 11 |
| First United Bank & Trust | 38 Vacation Way | Mc Henry | MD | 11 |
| First United Bank & Trust | 207 Main St | Myersville | MD | 11 |
| First United Bank & Trust | 12894 Garrett Highway | Oakland | MD | 23 |
| First United Bank & Trust | 22940 Jefferson Blvd | Smithsburg | MD | 11 |
| First United Bank & Trust | U.S. 11 And Grade Road | Falling Waters | WV | 11 |
| First United Bank & Trust | U.S. Route 11 And State Route 51 | Inwood | WV | 11 |
| First United Bank & Trust | 29 Southern Dr | Keyser | WV | 11 |
| First United Bank & Trust | 1286 Edwin Miller Blvd | Martinsburg | WV | 11 |
| First United Bank & Trust | Route 7 East, Tin Mill Crossroads | Morgantown | WV | 11 |
| First United Bank & Trust | 651 Suncrest Town Centre Dr | Morgantown | WV | 11 |
| First United Bank & Trust | 51 Ashfield St | Piedmont | WV | 11 |
| First United Bank & Trust | 46 Red Dog Way | Westover | WV | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
86.0
Tier 1 capital ratio
11.56%
Return on assets
1.25%
Non-performing loans
0.31%
Efficiency ratio
60.95%
Asset growth (YoY)
3.69%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.