The Peoples Bank vs First United Bank & Trust
Comparing a Bank in Chestertown, MD with a Bank in Oakland, MD using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Peoples Bank ↗ Bank · Chestertown, MD · Est. 1910 | First United Bank & Trust ↗ Bank · Oakland, MD · Est. 1900 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Chestertown, MD | Oakland, MD |
| Total assets | $293.2M | $2.0B |
| Capital ratio | 13.5% | 10.5% |
| Return on assets | 1.2% | 1.4% |
| Deposits | $252.0M | $1.8B |
| Branches | 1 | 23 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 28 | #5 of 28 |
| Established | 1910 | 1900 |
The Peoples Bank
- Assets: $293.2M
- Deposits: $252.0M
- Capital ratio: 13.5%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #1 of 28
First United Bank & Trust
- Assets: $2.0B
- Deposits: $1.8B
- Capital ratio: 10.5%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #5 of 28
Are both institutions federally insured?
Yes. The Peoples Bank is FDIC-insured and First United Bank & Trust is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, The Peoples Bank or First United Bank & Trust?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The Peoples Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is The Peoples Bank safe?
Yes — The Peoples Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is First United Bank & Trust safe?
Yes — First United Bank & Trust is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of The Peoples Bank vs First United Bank & Trust?
The Peoples Bank has a capital ratio of 13.5%, placing it in the top 17% of $100M–1B peers. First United Bank & Trust's ratio is 10.5%, placing it in the top 45% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Peoples Bank have compared to First United Bank & Trust?
The CFPB database shows 0 complaints against The Peoples Bank, and 0 complaints against First United Bank & Trust. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare The Peoples Bank with other Banks in Maryland
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
