The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 3 points (72 → 75), mostly because the capital cushion component improved by 7 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Maryland

Yes. First United Bank & Trust is an FDIC-insured institution (FDIC certificate #4857). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.7% of deposits ($395.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.22% (benchmark: 10%).

Check how much of your own balance is covered

First United Bank & Trust lists 22 offices in 17 cities across 2 states. Most locations:

• Hagerstown, MD (3)
• Cumberland, MD (2)
• Frederick, MD (2)
• Morgantown, WV (2)
• Boonsboro, MD (1)
• Falling Waters, WV (1)
• Friendsville, MD (1)
• Grantsville, MD (1)
• Inwood, WV (1)
• Keyser, WV (1)
• Martinsburg, WV (1)
• Mc Henry, MD (1)

All branch addresses and map

Legal name

First United Bank & Trust

Former names

The First National Bank of Oakland; First United National Bank & Trust

Type

State-chartered bank

FDIC certificate #

4857

RSSD ID

61122

Primary regulator

FDIC

Holding company

First United Corp

Established

January 1, 1900

Headquarters

19 S 2nd St, Oakland, MD 21550

Website

www.mybank.com

Employees

329