First United Bank&Trust: Bank Stress & Real-Estate Credit Exposure

DLRadar scores First United Bank&Trust (FDIC Cert #4857) at 63/100 for bank stress — a elevated level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Its lending reaches counties such as Frederick County, MD, Washington County, MD, Monongalia County, WV, Allegany County, MD, each tied back to DLRadar's distress signals. First United Bank&Trust's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. DLRadar maps First United Bank&Trust into 7 counties (116 ZIP codes) across 2 states — a compact, regionally concentrated lending base. The deepest footprints are Maryland (4 counties), West Virginia (3 counties). The First United Bank&Trust score updates as fresh FDIC call reports post each quarter, so its 63/100 reading and 7-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, First United Bank&Trust is directly comparable to any lender in the country. First United Bank&Trust is held under First United Corp, so its disclosures are public and its stress trajectory is externally verifiable. The combination of a elevated reading and a compact footprint is what makes First United Bank&Trust worth watching as a supply signal. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 116 ZIP codes First United Bank&Trust lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it.

For buyers, lender stress is an early map of supply: when First United Bank&Trust pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.