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Investor Relations14 Oct 2025
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First United Corporation (FUNC) investor relations material
First United Corporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary21 Jul, 2025
Executive summary
Net income for Q2 2025 was $6.0 million ($0.92 per share), up from $4.9 million ($0.75) in Q2 2024; six-month net income was $11.8 million ($1.82 per share), up from $8.6 million ($1.31) year-over-year.
Growth was driven by higher net interest margin, increased loan production, and controlled funding costs.
Book value per share rose to $29.43 at June 30, 2025, from $27.71 at December 31, 2024.
Commercial loan originations were $65.1 million and residential mortgage originations $19.2 million in Q2 2025.
Total assets reached $2.0 billion at June 30, 2025, with net loans at $1.5 billion and deposits at $1.6 billion.
Financial highlights
Net interest income for Q2 2025 was $16.7 million, up $1.5 million year-over-year; net interest margin for the six months ended June 30, 2025 was 3.61%, up from 3.31% in the prior year.
Provision for credit losses was $0.9 million in Q2 2025, down from $1.2 million in Q2 2024; six-month provision was $1.5 million, down from $2.1 million in 2024.
Non-interest income for Q2 2025 increased by $0.2 million year-over-year, driven by higher wealth management and mortgage gains.
Non-interest/operating expenses rose by $0.6 million in Q2 2025, mainly due to higher OREO, data processing, and professional services costs.
Cash dividend of $0.22 per share declared in Q2 2025.
Outlook and guidance
Management expects stronger loan growth in the second half of 2025, supported by robust loan pipelines and unfunded commitments.
No material changes in risk factors or market risks are anticipated for the remainder of the year.
Focus remains on expanding talent, improving technology, and enhancing customer experience.
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Next First United Corporation earnings date
Q3 202520 Oct, 2025
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Frequently asked questions
First United Corporation is a bank holding company that provides a range of financial products and services through its subsidiary, First United Bank & Trust. The company offers personal and commercial banking solutions, including checking and savings accounts, mortgages, personal and business loans, and credit services. It also provides wealth management services, such as investment management, trust services, and financial planning, aimed at meeting the diverse financial needs of its clients. First United Corporation serves individuals, small businesses, and commercial clients, primarily in Maryland and West Virginia. The company is headquartered in Oakland, Maryland, and its shares are listed on the NASDAQ.
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