First United Bank & Trust

19 South Second Street
Oakland, MD 21550

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4857
Date Established 1900
Assets $1.31 billion
Loans $0.89 billion
Deposits $1.04 billion
Capital $0.13 billion

First United Bank & Trust is an FDIC insured institution located in Oakland, MD. It was founded in 1900 and has approximately $1.31 billion in assets. Customers can open an account at one of its 26 branches.

For a more detailed analysis of First United Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in First United Bank & Trust’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Maryland, First United Bank & Trust has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 45.51
Multifamily
Mortgages
2.37
Credit Card Loans 0.00
Consumer Auto Loans 1.27
Small Business Loans 6.47
Construction and Development Loans 12.60
Commercial Real Estate 28.69
Commercial and Industrial Loans 7.54
Farm Loans 0.02

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
6 Mo CD 10K
0.10% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.15% $1,000 - Learn MoreShow Less
Special: 35 Mo FIRA
0.80% $1,000 - Learn MoreShow Less
Special: 35 Mo FIRA
0.75% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.12% $100 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.03% $1 $9,999 Learn MoreShow Less
MM 10K
0.07% $10,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.03% $1 $4,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for First United Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to First United Bank & Trust
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Branches

First United Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


First United Bank & Trust Locations

Financial Details

First United Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First United Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First United Bank & Trust U.S. Bank Average
15.61% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, First United Bank & Trust had $10,687,000 in non-current loans and $11,556,000 in owned real estate. To cover these potential losses it had $132,558,000 in equity and $9,922,000 in loans loss reserves. That gives it a Texas Ratio of 15.61%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
First United Bank & Trust U.S. Bank Average
6.9% 8.58

First United Bank & Trust has a Return on Equity of 6.9% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First United Bank & Trust U.S. Bank Average
10.16% 12.11

First United Bank & Trust has a Capitalization of 10.16% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First United Bank & Trust Balance Sheet Analysis

As of June 30, 2017, First United Bank & Trust had assets of $1,305,072,000, loans of $886,033,000, and deposits of $1,041,187,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About First United Bank & Trust

Branches and Savings

Is First United Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #4857.

Why does First United Bank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First United Bank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First United Bank & Trust a commercial bank?

Yes

Where are First United Bank & Trust locations?

See branch locations nearby.

Is First United Bank & Trust open on Saturdays?

Is First United Bank & Trust open on Sundays?

What time does First United Bank & Trust open?

What time does First United Bank & Trust close?

Are First United Bank & Trust ATMs Open 24/7?

Do First United Bank & Trust ATMs accept cash deposits?

Can First United Bank & Trust customers use other ATMs?

Do First United Bank & Trust branches have notaries?

Will First United Bank & Trust notarize my document?

What address for First United Bank & Trust should I put for incoming ACH transfers?

Will the First United Bank & Trust branch print checks?

Do First United Bank & Trust checks expire?

Does First United Bank & Trust require US citizenship to open account?

Can First United Bank & Trust close my account?

Does First United Bank & Trust Report to credit bureaus?

Does First United Bank & Trust Use Equifax?

What is First United Bank & Trust's ACH Routing Number?

What is First United Bank & Trust's SWIFT code?

Products

Does First United Bank & Trust offer mortgages?

Compare mortgage rates here.

Does First United Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First United Bank & Trust offer personal loans?

Compare personal loan rates here.

Does First United Bank & Trust offer student loans?

Will First United Bank & Trust cash a check?

Will First United Bank & Trust redeem a savings bond?

Does First United Bank & Trust cash savings bonds?

Will First United Bank & Trust cash money orders?

Can First United Bank & Trust issue a money order?

Does First United Bank & Trust do currency exchange?

Background on The Bank

Who owns First United Bank & Trust?

How long has First United Bank & Trust been around?

Can First United Bank & Trust transfer to other banks?

Does First United Bank & Trust have quick pay?

Does First United Bank & Trust accept rolled coins?

Will First United Bank & Trust accept loose change?

Where is First United Bank & Trust headquarters?

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