First United Bank & Trust is a bank based in Oakland, Maryland, established in 1900, with $2.0 billion in total assets across 23 branches. By Trust Grade it ranks 5th of 28 banks we track in Maryland. Its capital ratio of 10.5% is stronger than 55% of similarly sized banks, versus a Maryland median of 11.3%. It was profitable over the most recent period, with a 1.35% return on assets. No consumer complaints against First United Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First United Bank & Trust compares to Maryland peers
How we graded First United Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.5% capital ratio)
- Strongly profitable (ROA 1.35%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First United Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (23)
- U.S. Route 11 And State Route 51, Inwood, WV 25428
- U.S. 11 And Grade Road, Falling Waters, WV 25419
- Maple Street And First Avenue, Friendsville, MD 21531
- U.S. Route 40, Main Street, Grantsville, MD 21536
- 38 Vacation Way, Mc Henry, MD 21541
- 14300 Barton Blvd Sw, Cumberland, MD 21502
- 29 Southern Dr, Keyser, WV 26726
- 51 Ashfield St, Piedmont, WV 26750
- Centre And Harrison Streets, Cumberland, MD 21502
- 22940 Jefferson Blvd, Smithsburg, MD 21783
- 1990 Mononcacy Boulevard, Frederick, MD 21701
- 19 S 2nd St, Oakland, MD 21550
- 130 S Edgewood Dr, Hagerstown, MD 21740
- 1286 Edwin Miller Blvd, Martinsburg, WV 25404
- Route 7 East, Tin Mill Crossroads, Morgantown, WV 26505
- 1646 Wesel Blvd, Hagerstown, MD 21740
- 12894 Garrett Highway, Oakland, MD 21550
- 102 Baughmans Ln, Frederick, MD 21702
- 651 Suncrest Town Centre Dr, Morgantown, WV 26505
- 19405 Emerald Sq, Hagerstown, MD 21742
- 207 N Main St, Boonsboro, MD 21713
- 46 Red Dog Way, Westover, WV 26501
- 207 Main St, Myersville, MD 21773
Are deposits at First United Bank & Trust insured?
Yes. First United Bank & Trust is an FDIC-insured bank (FDIC certificate #4857). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First United Bank & Trust: frequently asked questions
Is First United Bank & Trust a good bank?
First United Bank & Trust earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.5% capital ratio); Strongly profitable (ROA 1.35%).
Is First United Bank & Trust FDIC-insured?
Yes. First United Bank & Trust is a FDIC-insured bank (FDIC certificate #4857). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First United Bank & Trust?
First United Bank & Trust holds $2.0 billion in total assets, ranking 5th of 28 banks we track in Maryland. It operates 23 branches.
Does First United Bank & Trust have CFPB complaints?
No CFPB complaints against First United Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
