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First United Bank & Trust


First United Bank & Trust is an FDIC insured institution headquartered at 19 S 2nd St, Oakland, MD 21550.
It was founded in 1900 and has approximately $2 billion in assets. Customers can open an account at one of its 27 branches.

Deposit Rates - May 01, 2026

SAVINGS RATES APY MIN
Savings
0.03% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.20% $10,000 Compare
6 Mo CD
0.20% $100,000 Compare
12 Mo CD
0.25% $10,000 Compare
12 Mo CD
0.25% $100,000 Compare
24 Mo CD
0.30% $10,000 Compare
24 Mo CD
0.30% $100,000 Compare
Special: 35 Mo CD
0.80% $1,000 Compare
36 Mo CD
0.40% $10,000 Compare
36 Mo CD
0.40% $100,000 Compare
48 Mo CD
0.50% $10,000 Compare
48 Mo CD
0.50% $100,000 Compare
60 Mo CD
0.60% $10,000 Compare
60 Mo CD
0.60% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.05% $10,000 Compare
Money Market
0.05% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.07% $1
Int Ckg
0.07% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4857
Date Established 1900
Assets $ 2.06 billion
Loans $ 1,502.36 million
Deposits $ 1,743.61 million
Capital $ 207.81 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 131.61 million
Interest-bearing balances $ 118.29 million
Total securities $ 264.88 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,502.36 million
Loan loss allowance $ 19.47 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.08 million
Goodwill and other intangibles $ 11.99 million
All other assets $ 80.54 million
     Total Assets $ 1,852.98 million

LIABILITIES
Total deposits $ 1,743.61 million
      Interest-bearing deposits $ 1,290.58 million
      Deposits held in domestic offices $ 1,743.61 million
      % insured (estimated)" 73.71%
Federal funds purchased and repurchase agreements $ 17.66 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 28.58 millionn
      Total Liabilities $ 1,852.98 million
      Shareholders’ Equity $ 207.81 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 99.52 million
Total Interest Expense $ 30.98 million
Net interest income $ 68.54 million
Provision for loan and lease losses $ 2.74 million
Total non interest income $ 18.80 million
Total non interest expense $ 51.19 million
Pre-tax Net Operating Income $ 15.42 million

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