First United posts Q3 net income $7.2M, EPS $1.11; NIM expands to 4.05%

FIRST UNITED CORP/MD/

Q3 2026 net income $7.2M, or $1.11 diluted EPS, vs $6.9M/$1.07 in Q3 2025 and $5.7M/$0.88 in Q2 2026.
Net interest margin on non-GAAP FTE basis was 4.05%, up 7 bps from Q2's 3.98%; nine-month NIM 3.94% vs 3.64% in 2025.
Provision for credit losses $1.9M vs $0.8M in Q2 and $0.5M in Q3 2025; ACL 1.36% of loans; net charge-offs $0.1M.
Commercial loan originations $115.0M and residential mortgage originations $34.7M in Q3; gross loans up $83.7M YTD to $1.6B.
Declared cash dividend $0.28/share; book value $33.15/share vs $31.33 at Dec. 31; deposits up $52.6M YTD to $1.8B.

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