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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 - December 17, 2025

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 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4857
Date Established 1900
Assets $ 1,981.92 million
Loans $ 1,483.55 million
Deposits $ 1,623.56 million
Capital $ 196.40 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 79.11 million
Interest-bearing balances $ 53.55 million
Total securities $ 265.61 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,483.55 million
Loan loss allowance $ 19.04 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 3.04 million
Goodwill and other intangibles $ 12.20 million
All other assets $ 80.54 million
     Total Assets $ 1,785.51 million

LIABILITIES
Total deposits $ 1,623.56 million
      Interest-bearing deposits $ 1,197.78 million
      Deposits held in domestic offices $ 1,623.56 million
      % insured (estimated)" 76.49%
Federal funds purchased and repurchase agreements $ 21.81 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 28.58 millionn
      Total Liabilities $ 1,785.51 million
      Shareholders’ Equity $ 196.40 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 48.27 million
Total Interest Expense $ 15.33 million
Net interest income $ 32.94 million
Provision for loan and lease losses $ 1.52 million
Total non interest income $ 9.94 million
Total non interest expense $ 25.19 million
Pre-tax Net Operating Income $ 15.42 million

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Branches

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First United Bank & Trust Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    First United Bank & Trust
    Bank
    MARYLAND
    $50,000
    N.A.
    0.03%
    0.13x (National Avg. - 0.23%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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