First United (FUNC) Debt/Assets Ratio: History & Chart

First United Corporation(FUNC)

Banks - Regional · Oakland, MD

$43.37-0.25 (-0.57%)

Delayed quote: Oct 5, 2026, 4:00 PM EDT

About First United Corporation

First United Corporation acts as the holding company for First United Bank & Trust, which delivers a wide array of retail and commercial banking solutions to both businesses and individual customers. The bank offers a diverse portfolio of deposit accounts, encompassing standard checking, savings, and money market options, in addition to specialized choices like regular and Individual Retirement Account (IRA) certificates of deposit, Christmas savings, college savings, and health savings accounts. It also provides advanced cash management programs, such as the Certificate of Deposit Account Registry Service (CDARS) and Insured Cash Sweep (ICS), available to governmental entities, businesses, and consumers. For its business clientele, First United extends comprehensive packages that feature treasury management, cash sweeping services, and various checking account opportunities. Regarding lending, the corporation provides an extensive range of loan products. These include commercial loans collateralized by real estate, equipment, vehicles, or other business assets. It also offers commercial real estate financing for residential and commercial developments, agricultural properties, and service industry buildings. Individual customers can access residential mortgage loans, home equity lines of credit, and residential real estate construction loans. Furthermore, the bank issues direct and indirect auto loans, student loans, and a variety of secured and unsecured term loans and lines of credit. Beyond traditional banking, the company furnishes a comprehensive suite of trust services, including personal and charitable trusts, investment agency accounts, and full-service retirement planning solutions (such as IRA rollovers, 401(k) accounts, and defined benefit plans), alongside estate administration and planning expertise. Supplementary services offered include insurance products, brokerage facilities, and practical amenities like safe deposit boxes and night depository facilities. First United Corporation's operational network consists of 26 banking branches, a dedicated customer care center, and 34 automated teller machines. This presence extends across Allegany, Frederick, Garrett, and Washington counties in Maryland, as well as Mineral, Berkeley, Monongalia, and Harrison counties in West Virginia. Established in 1900, the company's headquarters are situated in Oakland, Maryland.

Oakland, MD

329 employees

mybank.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Jason Rush

View full financials

FUNC Debt to Assets Ratio Metrics

DEBT TO ASSETS RATIO

4.86%

DEBT TO ASSETS RATIO AVG TTM

5.46%

DEBT TO ASSETS RATIO AVG 3Y

7.20%

DEBT TO ASSETS RATIO AVG 5Y

6.93%

DEBT TO ASSETS RATIO AVG 10Y

9.02%

DEBT TO ASSETS RATIO AVG 15Y

11.51%

DEBT TO ASSETS RATIO AVG 20Y

13.36%

CURRENT VS TTM AVG

-11.03%

CURRENT VS 3Y AVG

-32.50%

CURRENT VS 5Y AVG

-29.91%

CURRENT VS 10Y AVG

-46.15%

CURRENT VS 15Y AVG

-57.80%

CURRENT VS 20Y AVG

-63.64%

SECTOR MEDIAN · FINANCIAL SERVICES

0.05%

median of 430 covered companies

CURRENT VS SECTOR MEDIAN

+9618.21%

vs the sector median at left

NAME	MARKET CAP	DEBT TO ASSETS RATIO	TTM	3Y	5Y
First United Corporation (FUNC)	$279.90M	4.86%	5.46%	7.20%	6.93%
Isabella Bank Corporation (ISBA)vs ›	$277.68M	0.07%	N/A	N/A	N/A
Franklin Financial Services Corporation (FRAF)vs ›	$282.88M	0.09%	N/A	N/A	N/A
Ames National Corporation (ATLO)vs ›	$283.25M	0.02%	N/A	N/A	N/A
FB Bancorp, Inc. Common Stock (FBLA)vs ›	$275.88M	0.09%	N/A	N/A	N/A
Inflection Point Acquisition Corp. VIII (IPHX)vs ›	$285.77M	N/A	N/A	N/A	N/A
Great Elm Capital Corp. 7.75% Notes Due 2030 (GECCG)vs ›	$286.90M	0.58%	N/A	N/A	N/A
HCM IV Acquisition Corp. Class A Ordinary Share (HACQ)vs ›	$288.51M	0.00%	N/A	N/A	N/A
First National Corporation (FXNC)vs ›	$270.87M	0.02%	N/A	N/A	N/A
Freedom Metals Acquisition Corp. (FDMM)vs ›	$270.60M	N/A	N/A	N/A	N/A

NAME

MARKET CAP

DEBT TO ASSETS RATIO

TTM

First United Corporation (FUNC)

$279.90M

4.86%

5.46%

7.20%

6.93%

Isabella Bank Corporation (ISBA)vs ›

$277.68M

0.07%

N/A

Franklin Financial Services Corporation (FRAF)vs ›

$282.88M

0.09%

N/A

Ames National Corporation (ATLO)vs ›

$283.25M

0.02%

N/A

FB Bancorp, Inc. Common Stock (FBLA)vs ›

$275.88M

0.09%

N/A

Inflection Point Acquisition Corp. VIII (IPHX)vs ›

$285.77M

N/A

Great Elm Capital Corp. 7.75% Notes Due 2030 (GECCG)vs ›

$286.90M

0.58%

N/A

HCM IV Acquisition Corp. Class A Ordinary Share (HACQ)vs ›

$288.51M

0.00%

N/A

First National Corporation (FXNC)vs ›

$270.87M

0.02%

N/A

Freedom Metals Acquisition Corp. (FDMM)vs ›

$270.60M

N/A

Debt to Assets Ratio FAQ

What is the debt to assets ratio for First United Corporation (FUNC)?

The debt to assets ratio for FUNC stock is 4.86%.

Is First United Corporation's debt to assets ratio high or low?

The debt to assets ratio of 4.86% is 30% below its 5-year average of 6.93%, around the middle of its 5-year range (2.53%–9.51%).

What is the TTM average debt to assets ratio for First United Corporation (FUNC)?

The TTM average debt to assets ratio for FUNC stock is 5.46%.

What is the 3Y average debt to assets ratio for First United Corporation (FUNC)?

The 3Y average debt to assets ratio for FUNC stock is 7.20%.

What is the 5Y average debt to assets ratio for First United Corporation (FUNC)?

The 5Y average debt to assets ratio for FUNC stock is 6.93%.

What is the 10Y average debt to assets ratio for First United Corporation (FUNC)?

The 10Y average debt to assets ratio for FUNC stock is 9.02%.

What is the 15Y average debt to assets ratio for First United Corporation (FUNC)?

The 15Y average debt to assets ratio for FUNC stock is 11.51%.

What is the 20Y average debt to assets ratio for First United Corporation (FUNC)?

The 20Y average debt to assets ratio for FUNC stock is 13.36%.

DATE	DEBT TO ASSETS RATIO
2026-06-30	4.86%
2026-03-31	2.53%
2025-12-31	5.50%
2025-09-30	5.79%
2025-06-30	8.62%
2025-03-31	7.20%
2024-12-31	9.51%
2024-09-30	9.00%
2024-06-30	7.22%
2024-03-31	7.94%
2023-12-31	8.29%
2023-09-30	8.64%
2023-06-30	8.48%
2023-03-31	8.54%
2022-12-31	5.30%
2022-09-30	6.83%
2022-06-30	5.90%
2022-03-31	5.25%
2021-12-31	5.28%
2021-09-30	6.21%
2021-06-30	8.69%
2021-03-31	8.72%
2020-12-31	8.83%
2020-09-30	9.28%
2020-06-30	8.54%
2020-03-31	9.82%
2019-12-31	10.60%
2019-09-30	10.73%
2019-06-30	9.62%
2019-03-31	10.15%
2018-12-31	12.90%
2018-09-30	13.93%
2018-06-30	11.25%
2018-03-31	12.97%
2017-12-31	12.66%
2017-09-30	12.33%
2017-06-30	11.02%
2017-03-31	11.84%
2016-12-31	12.72%
2016-09-30	13.64%
2016-06-30	12.78%
2016-03-31	13.36%
2015-12-31	13.85%
2015-09-30	14.09%
2015-06-30	15.32%
2015-03-31	15.82%
2014-12-31	16.69%
2014-09-30	17.31%
2014-06-30	16.61%
2014-03-31	16.69%
2013-12-31	16.97%
2013-09-30	18.02%
2013-06-30	17.58%
2013-03-31	16.73%
2012-12-31	16.81%
2012-09-30	17.30%
2012-06-30	17.46%
2012-03-31	17.47%
2011-12-31	20.19%
2011-09-30	17.56%
2011-06-30	16.63%
2011-03-31	18.19%
2010-12-31	16.64%
2010-09-30	16.00%
2010-06-30	15.83%
2010-03-31	17.13%
2009-12-31	18.24%
2009-09-30	19.20%
2009-06-30	19.22%
2009-03-31	19.30%
2008-12-31	20.00%
2008-09-30	23.46%
2008-06-30	22.15%
2008-03-31	21.70%
2007-12-31	18.08%
2007-09-30	19.62%
2007-06-30	17.71%
2007-03-31	18.55%
2006-12-31	19.69%
2006-09-30	19.78%
2006-06-30	19.54%
2006-03-31	18.45%
2005-12-31	19.09%
2005-09-30	20.83%
2005-06-30	20.40%
2005-03-31	19.51%
2004-12-31	23.19%
2004-09-30	23.84%
2004-06-30	25.97%
2004-03-31	25.43%
2003-12-31	23.78%
2003-09-30	17.22%
2003-06-30	19.37%
2003-03-31	19.93%
2002-12-31	49.10%
2002-09-30	21.79%

DATE

DEBT TO ASSETS RATIO

2026-06-30

4.86%

2026-03-31

2.53%

2025-12-31

5.50%

2025-09-30

5.79%

2025-06-30

8.62%

2025-03-31

7.20%

2024-12-31

9.51%

2024-09-30

9.00%

2024-06-30

7.22%

2024-03-31

7.94%

2023-12-31

8.29%

2023-09-30

8.64%

2023-06-30

8.48%

2023-03-31

8.54%

2022-12-31

5.30%

2022-09-30

6.83%

2022-06-30

5.90%

2022-03-31

5.25%

2021-12-31

5.28%

2021-09-30

6.21%

2021-06-30

8.69%

2021-03-31

8.72%

2020-12-31

8.83%

2020-09-30

9.28%

2020-06-30

8.54%

2020-03-31

9.82%

2019-12-31

10.60%

2019-09-30

10.73%

2019-06-30

9.62%

2019-03-31

10.15%

2018-12-31

12.90%

2018-09-30

13.93%

2018-06-30

11.25%

2018-03-31

12.97%

2017-12-31

12.66%

2017-09-30

12.33%

2017-06-30

11.02%

2017-03-31

11.84%

2016-12-31

12.72%

2016-09-30

13.64%

2016-06-30

12.78%

2016-03-31

13.36%

2015-12-31

13.85%

2015-09-30

14.09%

2015-06-30

15.32%

2015-03-31

15.82%

2014-12-31

16.69%

2014-09-30

17.31%

2014-06-30

16.61%

2014-03-31

16.69%

2013-12-31

16.97%

2013-09-30

18.02%

2013-06-30

17.58%

2013-03-31

16.73%

2012-12-31

16.81%

2012-09-30

17.30%

2012-06-30

17.46%

2012-03-31

17.47%

2011-12-31

20.19%

2011-09-30

17.56%

2011-06-30

16.63%

2011-03-31

18.19%

2010-12-31

16.64%

2010-09-30

16.00%

2010-06-30

15.83%

2010-03-31

17.13%

2009-12-31

18.24%

2009-09-30

19.20%

2009-06-30

19.22%

2009-03-31

19.30%

2008-12-31

20.00%

2008-09-30

23.46%

2008-06-30

22.15%

2008-03-31

21.70%

2007-12-31

18.08%

2007-09-30

19.62%

2007-06-30

17.71%

2007-03-31

18.55%

2006-12-31

19.69%

2006-09-30

19.78%

2006-06-30

19.54%

2006-03-31

18.45%

2005-12-31

19.09%

2005-09-30

20.83%

2005-06-30

20.40%

2005-03-31

19.51%

2004-12-31

23.19%

2004-09-30

23.84%

2004-06-30

25.97%

2004-03-31

25.43%

2003-12-31

23.78%

2003-09-30

17.22%

2003-06-30

19.37%

2003-03-31

19.93%

2002-12-31

49.10%

2002-09-30

21.79%

Debt to Assets Ratio: 4.86%

FUNC Debt to Assets Ratio

FUNC Average Debt to Assets Ratio Chart

FUNC Current vs Average Debt to Assets Ratio Chart

FUNC Debt to Assets Ratio Metrics

FUNC Competitors' Debt to Assets Ratio

Leverage Ratios Comparison

Debt to Assets Ratio Formula & Definition

Debt to Assets Ratio FAQ

FUNC Debt to Assets Ratio History

Related Metrics