First United Bank & Trust
FDIC #4857
📍 Oakland, Maryland
First United Bank & Trust is a commercial bank, state charter and fed nonmember, supervised by the fdic. established in 01/01/1900. With assets of $1.90 Billion, it operates 22 domestic branches.
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Community Reinvestment Act (CRA) Rating
Latest Exam: November 1, 2022
What is CRA? The Community Reinvestment Act (CRA) is a federal law that encourages banks to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods.
Rating History
November 1, 2022
Satisfactory
August 1, 2019
Satisfactory
November 1, 2016
Satisfactory
💰 Financial Strength
Total Assets$1.90 Billion
Total Deposits$1.59 Billion
Equity Capital$156.19 Million
Net Income$13.75 Million
📈 Performance
ROA0.97%
ROE11.80%
Financial Terms:
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
📋 Corporate Structure
Established01/01/1900
FDIC Cert4857
Holding CoFirst United Corp
Parent CertNA - Not listed as a child of a larger bank.
Last ChangeAugust 31, 2022
Foreign Offices0
SAIF InsuredNo
State CharteredYes
🕰️ Lobby Hours
Monday9:00 AM - 6:00 PM
Tuesday9:00 AM - 6:00 PM
Wednesday9:00 AM - 6:00 PM
Thursday9:00 AM - 6:00 PM
Friday9:00 AM - 6:00 PM
Saturday9:00 AM - 12:00 PM
SundayClosed
📜 Institutional History
2003
Name Change
Name became: Changed Institution Name To First United Bank & Trust.
1995
Merger / Acquisition
Acquired: Myersville Bank
1995
Merger / Acquisition
Acquired: First United Bank Of West Virginia, National Association
1985
Name Change
Name became: Changed Institution Name To First United National Bank & Trust.
1983
Merger / Acquisition
Acquired: Cumberland Savings Bank