First United Bank&Trust (FDIC #4857): Bank Stress & Real-Estate Credit Exposure
First United Bank&Trust (FDIC Cert #4857): bank stress 63/100, elevated, STABLE over 7 days; parent FIRST UNITED CORP.
First United Bank&Trust (#4857) lends in 7 counties across 2 states; First United Bank&Trust (#4857) reaches 116 ZIP codes: Maryland 4 counties, 75 ZIPs; West Virginia 3 counties, 41 ZIPs.
First United Bank&Trust (#4857) largest markets: Frederick County, MD (105 branches, 35 ZIPs) (#4857), Washington County, MD (105 branches, 21 ZIPs) (#4857), Monongalia County, WV (57 branches, 19 ZIPs) (#4857), Allegany County, MD (32 branches, 16 ZIPs) (#4857), Garrett County, MD (60 branches, 12 ZIPs) (#4857), Berkeley County, WV (36 branches, 12 ZIPs) (#4857).
First United Bank&Trust (#4857) reports $2.05 billion in total assets; First United Bank&Trust (#4857) equity $217.8 million (10.6% of First United Bank&Trust (#4857) assets); First United Bank&Trust (#4857) domestic deposits $1.74 billion; First United Bank&Trust (#4857) net income $12.8 million; First United Bank&Trust (#4857) return on assets 1.25%; First United Bank&Trust (#4857) return on equity 12.02%; First United Bank&Trust (#4857) net interest income $37.0 million; First United Bank&Trust (#4857) call report June 30, 2026.
First United Bank&Trust (#4857) noncurrent real-estate loans: none reported; First United Bank&Trust (#4857) net charge-offs on real estate 0.31%; First United Bank&Trust (#4857) residential charge-offs 0.24%.
First United Bank&Trust (#4857) net interest margin 3.96% against an eight-quarter First United Bank&Trust (#4857) average of 3.70% (First United Bank&Trust (#4857) compression -0.26 points); First United Bank&Trust (#4857) non-residential real estate 24.1% of equity; First United Bank&Trust (#4857) rate-exposure score 40/100, First United Bank&Trust (#4857) fixed-rate trap 40/100; First United Bank&Trust (#4857) risk type credit driven; First United Bank&Trust (#4857) rate regime rates elevated, First United Bank&Trust (#4857) snapshot October 19, 2026.
First United Bank&Trust (#4857) stress score moved from 60.3 on June 22, 2026 to 63.5 on October 19, 2026; First United Bank&Trust (#4857) ranged 60.3 to 63.5 over 116 snapshots.
First United Bank&Trust (#4857) alerts: 7 counties; top First United Bank&Trust (#4857) alert scores: Cumberland County, MD 21 (low); Martinsburg County, MD 21 (low); Morgantown County, MD 21 (low); Myersville County, MD 21 (low); Oakland County, MD 21 (low).