First United Corporation is the holding company for First United Bank & Trust, a community bank serving rural and small-town markets across western Maryland and West Virginia. The bank operates 23 branches across seven counties in the two states. First United's core business is traditional community banking: it takes in deposits, lends that money out at higher rates, and earns the spread. The bank is funded by roughly $1.7B in deposits, which it deploys into $1.5B in net loans spanning commercial real estate, residential mortgages, construction, and consumer lending. First United complements its interest income with a wealth management business — trust services, estate administration, retirement accounts, and brokerage — that manages approximately $1.8B in assets under supervision and contributes fee-based income. First United's competitive approach centers on local relationships and community presence rather than digital acquisition or broad advertising. This strategy has yielded dominant deposit market share in its most rural markets, particularly Garrett County, MD, where First United holds roughly 65% deposit share. In larger adjacent markets like Frederick County and Monongalia County, First United is a minor participant competing against well-capitalized regional and national banks.