First United Bank & Trust
Headquarters: Oakland, Maryland
Overview
First United Bank & Trust is an FDIC-insured bank headquartered in Oakland, Maryland. It reported $2.05B in assets and $1.74B in deposits for the period ending June 30, 2026. Bankular currently lists 23 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
March 31, 2026 to June 30, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where First United Bank & Trust has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of First United Bank & Trust
Bel Air
14300 Barton Blvd SW, Cumberland, Maryland, 21502
Full-service branch · Opened January 28, 1985
Boonsboro Community Office
207 N Main St, Boonsboro, Maryland, 21713
Full-service branch · Opened October 15, 2025
Address and directions →Center City
Centre And Harrison Streets, Cumberland, Maryland, 21502
Full-service branch · Opened November 1, 1973
Edwin Miller Blvd
1286 Edwin Miller Blvd, Martinsburg, West Virginia, 25404
Full-service branch · Opened April 15, 2004
Emerald Pointe
19405 Emerald Sq, Hagerstown, Maryland, 21742
Full-service branch · Opened November 19, 2018
Frederick Branch
102 Baughmans Ln, Frederick, Maryland, 21702
Full-service branch · Opened April 22, 2009
Financial overview
Latest reported figures
Through June 30, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| June 30, 2026 | $2.05B | $1.74B | $1.55B | 1.25% |
| March 31, 2026 | $2.01B | $1.76B | $1.51B | 1.35% |
| December 31, 2025 | $2.06B | $1.74B | $1.50B | 1.27% |
| September 30, 2025 | $2.00B | $1.69B | $1.48B | 1.31% |
| June 30, 2025 | $1.98B | $1.62B | $1.48B | 1.24% |
| March 31, 2025 | $1.96B | $1.63B | $1.46B | 1.22% |
| December 31, 2024 | $1.95B | $1.58B | $1.46B | 1.12% |
| September 30, 2024 | $1.89B | $1.55B | $1.43B | 1.05% |
Size and reach
How this institution compares
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More on First United Bank & Trust
Use the available Bankular sections to move from institution identity to products, locations, market context and source verification.
Branch locations
23 listed locations.
Explore →Compare this institution
Compare size, financial metrics, rates and access.
Explore →State banking market
Explore institutions and deposit-market context in Maryland.
Explore →Oakland banking market
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Explore →Rankings and research
Place this institution in national and market context.
Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is First United Bank & Trust federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 4857.
Where is First United Bank & Trust headquartered?
First United Bank & Trust is headquartered in Oakland, Maryland, at 19 S 2nd St, Oakland, Maryland, 21550.
How large is First United Bank & Trust?
It reported $2.05B in assets and $1.74B in deposits for the period ending June 30, 2026.
How many locations does First United Bank & Trust have?
Bankular currently lists 23 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.