Listed locations
22
Institution profile
First United Bank & Trust
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- First United Bank & Trust
- Display name
- First United Bank & Trust
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- January 1, 1900
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Oakland, MD, 21550, United States
- Website
- https://www.mybank.com
- FDIC certificate number
- 4857
- Federal Reserve RSSD ID
- 61122
- Domestic location count
- 23
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 4857
- Federal Reserve RSSD ID
- 61122
- Headquarters
- 19 South Second Street, Oakland, MD, 21550, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 22 of 22 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| BOONSBORO BRANCH | 207 North Main Street | Boonsboro | MD | 21713 |
| BEL AIR BRANCH | 14300 Barton Boulevard | Cumberland | MD | 21502 |
| CENTER CITY BRANCH | 115 West Harrison Street | Cumberland | MD | 21502 |
| BAUGHMAN'S LANE BRANCH | 102 Baughman's Lane | Frederick | MD | 21702 |
| RIVERSIDE BRANCH | 1990 Monocacy Blvd, Riverside Center | Frederick | MD | 21701 |
| FRIENDSVILLE BRANCH | 832 First Avenue | Friendsville | MD | 21531 |
| GRANTSVILLE OFFICE | 157 Main Street | Grantsville | MD | 21536 |
| EMERALD POINTE BRANCH | 19405 Emerald Square | Hagerstown | MD | 21742 |
| HAGERSTOWN BRANCH | 130 South Edgewood Drive | Hagerstown | MD | 21740 |
| WESEL BLVD BRANCH | 1646 Wesel Blvd | Hagerstown | MD | 21740 |
| DEEP CREEK LAKE OFFICE | 38 Vacation Way | Mc Henry | MD | 21541 |
| MYERSVILLE BRANCH | 209 Main Street | Myersville | MD | 21773 |
| MY BANK EXPRESS BRANCH | 12894 Garrett Highway | Oakland | MD | 21550 |
| SMITHSBURG BRANCH | 22940 Jefferson Blvd | Smithsburg | MD | 21783 |
| POTOMAC BRANCH | U.s. RT 11 And Grade RD | Falling Waters | WV | 25419 |
| SOUTH BERKELEY BRANCH | 7736 Winchester Avenue | Inwood | WV | 25428 |
| KEYSER BRANCH | 29 West Southern Drive | Keyser | WV | 26726 |
| EDWIN MILLER BLVD BRANCH | 1286 Edwin Miller Blvd | Martinsburg | WV | 25404 |
| SABRATON OFFICE BRANCH | 1951 Hunters Way | Morgantown | WV | 26505 |
| SUNCREST CENTRE BRANCH | 651 Suncrest Towne Centre | Morgantown | WV | 26505 |
| TRI-TOWNS OFFICE | 51 Ashfield Street | Piedmont | WV | 26750 |
| WEST RIDGE BRANCH | 46 Red Dog Way | Westover | WV | 26501 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- December 1, 2025
- Regulator
- FDIC
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| December 1, 2025 | Satisfactory | FDIC | Large Bank Exam |
| November 1, 2022 | Satisfactory | FDIC | Large Bank Exam |
| August 1, 2019 | Satisfactory | FDIC | Large Bank Exam |
| November 1, 2016 | Satisfactory | FDIC | Large Bank Exam |
| May 1, 2013 | Satisfactory | FDIC | Large Bank Exam |
| February 1, 2010 | Satisfactory | FDIC | Large Bank Exam |
| October 1, 2006 | Satisfactory | FDIC | Large Bank Exam |
| December 1, 2003 | Satisfactory | FDIC | Large Bank Exam |
| September 1, 2000 | Satisfactory | FDIC | Large Bank Exam |
Institutional history
6 FFIEC NIC history events
Showing 1 through 6 of 6 history events
| Event date | Event type | Related institution |
|---|---|---|
| November 20, 1995 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 28, 1995 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| November 21, 1983 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 2, 1970 | Charter Discontinued (Merger or Purchase & Assumption) | CITIZENS NATIONAL BANK OF WESTERNPORT, THE |
| January 2, 1970 | Charter Discontinued (Merger or Purchase & Assumption) | FIRST NATIONAL BANK OF BARTON, THE |
| April 4, 1960 | Charter Discontinued (Merger or Purchase & Assumption) | FIRST NATIONAL BANK OF FRIENDSVILLE |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
6 FFIEC NIC relationship records
Showing 1 through 6 of 6 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | FIRST UNITED COMMUNITY DREAMS FOUNDATION, INC. | Domestic Entity Other | Oakland, MD |
| Direct relationship | LIBERTY MEWS LIMITED PARTNERSHIP | Domestic Entity Other | Oakland, MD |
| Direct relationship | MCC FUBT FUND, LLC | Domestic Entity Other | Marble Cliff, OH |
| Direct relationship | OAKFIRST LOAN CENTER, INC. | Finance Company | Martinsburg, WV |
| Direct relationship | OAKFIRST LOAN CENTER, LLC | Finance Company | Hagerstown, MD |
| ROOT_INSTITUTION | FIRST UNITED BANK & TRUST | Non-member Bank | Oakland, MD |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank