Bank · FDIC insured
First United Bank & Trust
A $2.1B bank headquartered in Oakland, MD, with 23 branches in 2 states.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First United Bank & Trust
Established in 1900 as First National Bank of Oakland, First United Bank & Trust operates as a subsidiary of bank holding company First United Corporation.
The bank merged with Cumberland Savings Bank in 1983 to form First United National Bank & Trust and later consolidated with Myersville Bank in 1995.
- Headquarters
- 19 S 2nd St, Oakland, MD 21550
- FDIC certificate
- 4857 ↗
Branches
23 branches in 2 states
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Maryland
15 branches
Hagerstown area · 5
- Boonsboro Community Office Branch207 N Main St, Boonsboro, MD 21713Directions
- Emerald Pointe19405 Emerald Sq, Hagerstown, MD 21742Directions
- Hagerstown Commons Branch130 S Edgewood Dr, Hagerstown, MD 21740Directions
- Wesel Blvd. Branch1646 Wesel Blvd, Hagerstown, MD 21740Directions
- Smithsburg Community Branch Office22940 Jefferson Blvd, Smithsburg, MD 21783Directions
Washington area · 3
- Frederick Branch102 Baughmans Ln, Frederick, MD 21702Directions
- Riverside Branch1990 Mononcacy Boulevard, Frederick, MD 21701Directions
- Myersville Branch207 Main St, Myersville, MD 21773Directions
Oakland area · 2
- First United Bank & TrustMain office19 S 2nd St, Oakland, MD 21550Directions
- 12894 Garrett Highway12894 Garrett Highway, Oakland, MD 21550Directions
Cumberland area · 2
- Bel Air Branch14300 Barton Blvd Sw, Cumberland, MD 21502Directions
- Center City BranchCentre And Harrison Streets, Cumberland, MD 21502Directions
Friendsville area · 1
- Friendsville BranchMaple Street And First Avenue, Friendsville, MD 21531Directions
Grantsville area · 1
- Grantsville BranchU.S. Route 40, Main Street, Grantsville, MD 21536Directions
Mc Henry area · 1
- Lake Branch38 Vacation Way, Mc Henry, MD 21541Directions
West Virginia
8 branches
Hagerstown area · 3
- Potomac BranchU.S. 11 And Grade Road, Falling Waters, WV 25419Directions
- South Berkeley BranchU.S. Route 11 And State Route 51, Inwood, WV 25428Directions
- Edwin Miller Blvd Branch1286 Edwin Miller Blvd, Martinsburg, WV 25404Directions
Morgantown area · 3
- Sabraton Office BranchRoute 7 East, Tin Mill Crossroads, Morgantown, WV 26505Directions
- Suncrest Centre Branch651 Suncrest Town Centre Dr, Morgantown, WV 26505Directions
- West Ridge Community Office Branch46 Red Dog Way, Westover, WV 26501Directions
Cumberland area · 2
- Keyser Mall Branch29 Southern Dr, Keyser, WV 26726Directions
- Tri Towns Branch51 Ashfield St, Piedmont, WV 26750Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.56% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.31% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.25% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $90 | $88 | — |
- CapitalLeverage ratio11.56%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.31%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.25%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$90Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First United Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.