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Regulatory Capital Requirements

6 Months Ended

Jun. 30, 2022

Regulatory Capital Requirements [Abstract]

Note 12 – Regulatory Capital Requirements

The following table presents our capital ratios as of June 30, 2022 and December 31, 2021.


	June 30, 2022		December 31, 2021		Required for Capital Adequacy Purposes		Required to be Well Capitalized
Total Capital (to risk-weighted assets)
First United Bank & Trust	14.64	%	14.97	%	8.00	%	10.00	%
Tier 1 Capital (to risk-weighted assets)
First United Bank & Trust	13.46	%	13.72	%	6.00	%	8.00	%
Common Equity Tier 1 Capital (to risk-weighted assets)
First United Bank & Trust	13.46	%	13.72	%	4.50	%	6.50	%
Tier 1 Capital (to average assets)
First United Bank & Trust	10.40	%	10.00	%	4.00	%	5.00	%

As of June 30, 2022 and December 31, 2021, the Bank was considered “well capitalized” under the regulatory framework for prompt corrective action.

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

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