Corporate Strategy and Financial Performance
Franchise Overview
Mission Statement
To enrich the lives of our
customers, our
employees and our
shareholders through
uncommon commitment
to service and effective
financial solutions
Company Overview
Founded: 1900
Headquarters: Oakland, MD
Locations: 27 branches
Business Lines: Commercial &
Retail Banking, Trust Services,
Wealth Management
Ticker: FUNC (Nasdaq)
Website: www.MyBank.com
West Virginia
Maryland
Star denotes Oakland, Maryland Headquarters
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Financial Highlights (as of June 30, 2022)
Assets: $1.75 billion
YTD Dividends Declared/Share: $0.30
Tangible Book Value Per Share (1): $18.17
Loans: $1.23 billion
Deposits: $1.48 billion
Diluted EPS - GAAP: $1.68
AUM: $1.33 billion
Efficiency Ratio (1): 57.94%
Diluted EPS - non-GAAP (1): $1.68
NIM: 3.46%
NPAs/Total Assets: 0.40%
TCE Ratio(1): 6.95%
Net Charge-offs/Avg. Loans: 0.07%
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(1) See Appendix for a reconciliation of these non-GAAP financial measuresView entire presentation