MD lenders / Community Bank
First United Bank & Trust
Community Bank · Oakland, MD · First United Corp
- Total assets
- $2.0B
- CRE loan book
- $695.8M
- QoQ CRE growth
- 7.1%
- Q1 2026
Recorded CRE activity — oh-franklin County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 30, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.60% as of Q1 2026 — TX bank median 4.87% (0.73pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.60% | 5.91% |
| Q4 2025 | 5.76% | 6.15% |
| Q3 2025 | 5.77% | 6.15% |
| Q2 2025 | 5.59% | 5.98% |
| Q1 2025 | 5.49% | 5.88% |
| Q4 2024 | 5.48% | 5.82% |
| Q3 2024 | 5.49% | 5.86% |
| Q2 2024 | 5.28% | 5.70% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $695.8M | $97.8M | $49.8M | 204% | $1.5M |
| Q4 2025 | $649.5M | $90.3M | $45.1M | 195% | $695,000 |
| Q3 2025 | $637.0M | $94.0M | $44.5M | 192% | $615,000 |
| Q2 2025 | $640.1M | $98.9M | $43.8M | 199% | $105,000 |
| Q1 2025 | $618.7M | $94.1M | $46.2M | 196% | $117,000 |
| Q4 2024 | $613.4M | $95.3M | $49.1M | 199% | $738,000 |
| Q3 2024 | $587.3M | $92.9M | $49.4M | 202% | $771,000 |
| Q2 2024 | $585.5M | $88.2M | $49.5M | 205% | $696,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Webster Five Cents Savings BankCommunity Bank · Webster · $703.3M CRE book
- Newburyport Five Cents Savings BankCommunity Bank · Newburyport · $687.5M CRE book
- Horicon BankCommunity Bank · Horicon · $683.2M CRE book
- Cornerstone BankCommunity Bank · Spencer · $679.3M CRE book
- First Oklahoma BankCommunity Bank · Jenks · $714.4M CRE book
Last updated Jul 30, 2026 · Sources: FFIEC CDR, county records, first-party conversations.