$1.53B
+3.1%y/y
Percentile by value75th percentileby value
FDIC
LNLSGRFU
First United Bank & Trust
Oakland, MarylandFDIC Cert #4857
STATEEstablished 190023 branches
Holding company: FIRST UNITED CORPRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $195M |
| Investor CRE | $353M |
| Multifamily | $49.8M |
| Construction | $97.8M |
| 1–4 family | $526M |
| C&I | $234M |
| Agriculture | $12.6M |
| Other | $56.9M |
Loan book
Reported balances and balance-sheet intensity.
$1.51B
+3.0%y/y
Percentile by value75th percentileby value
FDIC
LNLSNET+3.03%
−36.9%y/y
Percentile by value32nd percentileby value
FDIC
LNLSNET85.6%
−4.4%y/y
Percentile by value55th percentileby value
FDIC
LNLSNET + DEP74.8%
+0.1%y/y
Percentile by value61st percentileby value
FDIC
LNLSNET + ASSET85.31%
+4.1%y/y
Percentile by value53rd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
202%
+3.9%y/y
Percentile by value39th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC39%
−4.1%y/y
Percentile by value38th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,197points
+0.2%y/y
Peer standing38th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD12.79%
+8.8%y/y
Percentile by value49th percentileby value
FDIC
LNRENROW + LNLSGR23.14%
+12.4%y/y
Percentile by value63rd percentileby value
FDIC
LNRENROT + LNLSGR15.33%
−15.0%y/y
Percentile by value70th percentileby value
FDIC
LNCI + LNLSGR