Vitals
  • Total Assets
    1.3B -0.4 %
  • Total Deposits
    1.0B 0.5 %
  • Total Net Loans
    882.0M 1.7 %
  • Net Income
    8.5M -34.1 %
  • Book Value
    137.8M 3.8 %
  • Book Value x2
    275.7M 3.8 %
  • Book Value x3
    413.5M 3.8 %
ROAA

.654

ROAE

6.241

Efficiency Ratio

71.896

Net Interest Margin

3.343

Balance Sheet Highlights
Financial Highlights First United Bank & Trust All Insured Commercial Banks in Maryland
Balance Sheet $(000)
Total Assets 1,296,916 804,628
Total Net Loans 882,008 615,155
Total Deposits 1,016,541 644,089
Total Equity 137,831 83,729
Profitability
Net Income 8,523 6,445
Return on Average Assets .654 .743
Return on Average Equity 6.241 7.02
Net Interest Margin 3.343 3.678
Efficiency Ratio 71.896 72.114
Noninterest Income/Revenue 23.357 18.691
Balance Sheet Ratios
Loan-to-Deposit 86.766 90.195
Securities/Assets .173 .114
Total Equity/Total Assets .106 .104
Tangible Equity/Tangible Assets .097 .093
Capital Adequacy
Tier 1 Common Capital 146,014 74,463
Tier 1 Capital 146,014 75,572
Tier 2 Capital 9,979 7,498
Total Capital 155,993 83,523
Total Risk Weighted Assets 934,266 632,592
Leverage Ratio 11.11 9.794
Common Equity Tier 1 Capital Ratio 15.63 12.533
Tier 1 Capital Ratio 15.63 12.687
Total Capital Ratio 16.7 13.794

Timeline for First United Bank & Trust

Liberty Mews Limited Partnership

Liberty Mews Limited Partnership became a new subsidiary organization for First United Bank & Trust.

View Profile Nov 18 2009

Oakfirst Loan Center, Llc

Oakfirst Loan Center, Llc became a new subsidiary organization for First United Bank & Trust.

View Profile Jun 11 2001

First United Investment Trust

First United Investment Trust became a new subsidiary organization for First United Bank & Trust.

View Profile Jun 01 2001

First United Capital Investment, Inc.

First United Capital Investment, Inc. became a new subsidiary organization for First United Bank & Trust.

View Profile Jun 01 2001

Oakfirst Loan Center, Inc.

Oakfirst Loan Center, Inc. became a new subsidiary organization for First United Bank & Trust.

View Profile May 24 2000

Want to see more?

Complete timeline for First United Bank & Trust is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Myersville Bank Seller 79,447 Pooling of Interests Discontinued 11/20/1995
First United Bank Of West Virginia, National Association Seller 50,050 Pooling of Interests Discontinued 8/28/1995
Cumberland Savings Bank Seller 58,146 Discontinued 11/21/1983
The First National Bank Of Barton Seller Discontinued 1/2/1970
The Citizens National Bank Of Westernport Seller Discontinued 1/2/1970
First National Bank Of Friendsville Seller Discontinued 4/4/1960
Relationships Role Relationship Start Relationship End
First United Corporation Parent 7/1/1985
Oakfirst Loan Center, Inc. Subsidary 6/30/2009
Oakfirst Loan Center, Llc Subsidary 6/30/2009
Liberty Mews Limited Partnership Subsidary 11/18/2009
First United Investment Trust Subsidary 6/1/2001 5/10/2006
First United Auto Finance, Llc Subsidary 12/1/1998 5/8/2006
Gonder Insurance Agency Subsidary 5/18/1999 9/29/2004
First United Securities, Inc. Subsidary 6/17/1988 5/31/2004
First United Capital Investment, Inc. Subsidary 6/1/2001 2/28/2004
Oakfirst Loan Center, Inc. Subsidary 5/24/2000 10/30/2001
Oakfirst Loan Center, Llc Subsidary 6/11/2001 10/30/2001
First United Insurance Agency, Inc. Subsidary 3/14/1991 4/25/2000
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