Total Assets
$2.1B
Total balance-sheet footings
FDIC Cert #4857 · Oakland, Maryland · Est. 1900
First United Bank & Trust - FDIC Bank Health Profile
A community-scale look at First United Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.1B
- Total assets
- A
- Health grade · Excellent
- 1.27%
- Return on assets
- 13.9%
- Tier 1 capital
Data updated July 2026
The verdict
First United Bank & Trust earns a PlainBankData health grade of A (87/100), with well-capitalized at 13.94% Tier 1, profitable at 1.27% ROA, efficient (58% cost ratio).
- #584
- largest of 4,313 FDIC banks by assets
- 87th
- percentile by asset size, nationally
- 13.94%
- Tier 1 ratio - above the 10% well-capitalized line
- 62nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First United Bank & Trust's 87/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First United Bank & Trust's composite health score
Tier 1 Capital Ratio (13.94%) 35/40
Return on Assets (ROA) (1.27%) 20/25
Texas Ratio (2.05%) 20/20
Efficiency Ratio (58.23%) 12/15
87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.7B
Customer-funded liabilities
Net Loans
$1.5B
Outstanding loan book
Net Income
$25M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First United Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First United Bank & Trust's score of 87/100 falls in the highlighted band.
First United Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First United Bank & Trust's $2.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.94% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.94%
Texas Ratio
2.05%
Equity Capital
$208M
Profitability metrics
Return on Assets (ROA)
62nd percentile nationally
1.27%
Return on Equity (ROE)
12.87%
Efficiency Ratio
58.23%
What the numbers say about First United Bank & Trust
First United Bank & Trust is an FDIC-insured institution (Certificate #4857) headquartered in Oakland, Maryland, established in 1900. It holds $2.1B in total assets - 584th of 4,313 FDIC-insured banks, $1.7B in customer deposits, and $1.5B in net loans. Capital-wise, the Tier 1 ratio sits at 13.94%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.05%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (87 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First United Bank & Trust sits 6th of 28 banks headquartered in Maryland by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$100M
Interest Income
$19M
Non-Interest Income
$51M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First United Bank & Trust reports a Texas Ratio of 2.05% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.05% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Maryland by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First United Bank & Trust (FDIC Cert #4857) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Maryland
All Maryland banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| EagleBankBethesda | $10.4B | C | -1.20% |
| Forbright BankPotomac | $7.9B | B | 1.35% |
| Shore United Bank, National AssociationEaston | $6.3B | B | 1.08% |
| CFG BankLutherville | $5.7B | B | 1.43% |
| Capital Bank, National AssociationRockville | $3.5B | B | 1.51% |
| Rosedale BankNottingham | $1.3B | B | 0.18% |
| Middletown Valley BankMiddletown | $1.1B | B | 0.90% |
| Presidential Bank, FSBBethesda | $1.1B | C | 0.44% |
Frequently asked questions
What is First United Bank & Trust's health grade?▼
First United Bank & Trust receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First United Bank & Trust?▼
First United Bank & Trust holds $2.1B in total assets and $1.7B in deposits, ranking 584th of 4,313 FDIC-insured banks by asset size. It is headquartered in Oakland, Maryland.
Is my money safe at First United Bank & Trust?▼
Yes, deposits at First United Bank & Trust (Certificate #4857) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First United Bank & Trust's Tier 1 Capital Ratio?▼
First United Bank & Trust has a Tier 1 Capital Ratio of 13.94%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First United Bank & Trust?▼
First United Bank & Trust has a Texas Ratio of 2.05%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First United Bank & Trust?▼
First United Bank & Trust has an Efficiency Ratio of 58.23%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First United Bank & Trust's profile as a depositor or analyst.
- First United Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First United Bank & Trust against other Maryland banks before moving funds. Maryland banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.