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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 4857 · MD A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1199/4307
  • PHOTO-FINISH GNBank, National Ass… · KS
  • TIER1-WELL 13.9% Tier 1
  • TEXAS-CLEAN 2.1% Texas
  • ROA-STRONG 1.27% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maryland: GNBank, National Association, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First United Bank & Trust

Lowest and highest poles plus nearest scored peers outside Maryland, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Farmers Bank of Nort… · MO ·…87/100First Farmers & Merc… · MN ·…87/100First United Bank &… · MD · …87/100GNBank, National Ass… · KS ·…87/100The First National B… · MN ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First United Bank & Trust · July 2026

Call Report read for First United Bank & Trust in a high-failure state

First United Bank & Trust (FDIC Cert #4857) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,199 of 4,307. Tier 1 capital prints at 13.94%, clearing the 10% well-capitalized line. The Texas Ratio is 2.05%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.27%. Balance-sheet scale is $2.1B, 584th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is GNBank, National Association (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First United Bank & Trust

10 FAILURE resolutions in Maryland since 2000, heavy vs the state corpus

First United Bank & Trust sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about First United Bank & Trust's current Call Report.

  • SLAVIE FEDERAL SAVINGS BANK BEL AIR, MD 2014 → BAY BANK, FSB
  • NBRS FINANCIAL BANK RISING SUN, MD 2014 → HOWARD BANK
  • BANK OF THE EASTERN SHORE CAMBRIDGE, MD 2012

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maryland banks.

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.

0/100100/100National avg77/10087/100
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 Assets

$2.1B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.54% 13.94% 15.34%
Basel III capital ratios - First United Bank & Trust

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 28% higher than 72% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First United Bank & Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at First United Bank & Trust

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

What these ratios mean →

Earnings posture at First United Bank & Trust

Return on Assets (ROA)
62nd percentile nationally
1.27%
Return on Equity (ROE)
12.87%
Efficiency Ratio
58.23%

What these mean →

Income & expense at First United Bank & Trust

$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.

FDIC Failed Bank List → View First United Bank & Trust on FDIC BankFind →

Top banks in Maryland by total assets

Largest banks headquartered in Maryland
  1. 1
    EagleBank $10.4B

    Bethesda, MD · Grade C

  2. 2
    Forbright Bank $7.9B

    Potomac, MD · Grade B

  3. 3
    Shore United Bank $6.3B

    Easton, MD · Grade B

  4. 4
    CFG Bank $5.7B

    Lutherville, MD · Grade B

  5. 5
    Capital Bank $3.5B

    Rockville, MD · Grade B

Top 5 banks in Maryland ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.1B here), outside Maryland so the neighborhood is not state containment.

NorthEast Community Bank $2.1B · NY Montecito Bank & Trust $2.1B · CA Starion Bank $2.1B · ND First Community Bank $2.1B · SC

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.

First United Bank & Trust Call Report profile · FDIC Failed Bank List · Maryland FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maryland

All Maryland banks →
BankAssetsGradeROA
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%