Compared with Maryland
8 of 16
compared fees are above the median.
5 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
54th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Maryland median
of 16 compared; 5 below, 3 about the same
See the feesFee schedule read Oct 6, 2026
Call-report figures are for First United Bank & Trust at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Maryland median | Published fees above the Maryland median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First United Bank & Trust's published fee schedule; Bank Fee Index medians | Current schedule | Oct 6, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.4% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (54th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $568K in Q2 2026, 1.6% below the same quarter a year earlier ($577K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 16 compared published fees sit above the Maryland median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Maryland medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $9, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was about level from Q3 2025 to Q2 2026, at $568K. Its share of revenue, 2.4%, is above the 2.2% median for banks with $1B to $10B in assets.
$568K
First United Bank & TrustMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $0 to $3; we compare the midpoint. Monthly maintenance: Listed at $0 to $10; we compare the midpoint.
First United Bank & Trust · $2.1B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First United Bank & Trust(this institution) | Oakland, MD | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Beneficial State Bank | Oakland, CA | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blackhawk Bank & Trust | Milan, IL | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Commerce Bank | Lakewood, NJ | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Fed Bank | Port Angeles, WA | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First Financial Bank | El Dorado, AR | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank | Fort Pierre, SD | $2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Florence Bank | Florence, MA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Gateway First Bank | Jenks, OK | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| IncredibleBank | Wausau, WI | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kish Bank | Belleville, PA | $2.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Marquette Bank | Chicago, IL | $2.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Montecito Bank & Trust | Santa Barbara, CA | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Norway Savings Bank | Norway, ME | $2.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Oak Valley Community Bank | Oakdale, CA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Opportunity Bank of Montana | Helena, MT | $2.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Square Financial Services, Inc. | Salt Lake City, UT | $2.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Starion Bank | Bismarck, ND | $2.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Conway National Bank | Conway, SC | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The Farmers & Merchants Bank | Stuttgart, AR | $2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank in Sioux Falls | Sioux Falls, SD | $2.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Lyons National Bank | Lyons, NY | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The Village Bank | Newton, MA | $2.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Timberland Bank | Hoquiam, WA | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Tri City National Bank | Oak Creek, WI | $2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Zebulon, GA | $2.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9, the middle of its five prices, against a peer median of $7.50 among 15 publishing peers.
Its five checking prices are $0, $7, $9, $9 and $10.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for First United Bank & Trust (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $568K | +$21K | +3.8% |
| Q1 2026 | $547K | −$21K | −3.7% |
| Q4 2025 | $568K | +$5K | +0.9% |
| Q3 2025 | $563K | −$14K | −2.4% |
| Q2 2025 | $577K | +$30K | +5.5% |
| Q1 2025 | $547K | −$6K | −1.1% |
| Q4 2024 | $553K | −$2K | −0.4% |
| Q3 2024 | $555K | −$1K | −0.2% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First United Bank & Trust left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First United Bank & Trust by share.
Amounts from First United Bank & Trust’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per item
per day
per month
per month
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Avoid the monthly service charge | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge (audience not stated, treated as personal) | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat Fee 3 | $60Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research / Statement Printing | $5Below the U.S. middle 50% ($6.25 to $25 nationally) | per item | None |
| Statement Reconcilement | $40Not compared: Daily charge, not per item | per day | None |
| 6 or Paper Statements | No chargeBelow the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| eStatement 6 or Paper Statements | No chargeBelow the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Paper Statement with Safekeeping 1 | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Return Mail Fee | No chargeBelow the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee | $42Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Returned Item Fee | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Continuous Overdraft Fee | $5.99Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Foreign ATM Fee | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Foreign ATM Fee | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement ATM or VISA Check Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Official Checks (Customers Only) | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Orders 2 | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Safekeeping Account - Check Copy Request | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Zelle® Payments | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Annual Safe Deposit Box Fees Late fee after 30 days | $15Not compared: Box drilling or key fee | per year | None |
| Safe Deposit Box 10x10 | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10x12 | $135Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10x15 | $140Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 18x22.5 | $175Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2x5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x10 | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x5 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 9x20 | $145Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Attachments & Levies | $150Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Lending Fees | |||
| Late fee after 30 days | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 6, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First United Bank & Trust operates, and what regulators and customers have on file.
Branch footprint
23 offices in 2 states, $1.7B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 9 | $960.0M |
| 8 | $358.9M | |
| 3 | $258.6M | |
| 3 | $166.3M |
Hagerstown-Martinsburg, MD-WV
6% of bank deposits, #8 of 17, up 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Truist Bank | 16.8% |
| United Bank | 13% |
| CNB Bank, Inc. | 10.8% |
| Fulton Bank, National Association | 10.5% |
| Middletown Valley Bank | 9.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Hagerstown-Martinsburg, MD-WV, First United Bank & Trust holds 6% of bank deposits, #8 of 17, with 8 offices.
87 offices of 25 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 17 institutions shown. $6.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 6% share, 8 offices, #8 of 17
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
24 offices of 13 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve and Maryland Office of Financial Regulation
The Federal Reserve and Maryland Office of Financial Regulation have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve and Maryland Office of Financial Regulation, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.