PackageTrendsPeer
Letter portraitLegal landscape

Forbright Bank

Potomac, MD · Cert 57614 · Forbright Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=311 to 317). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

36

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

80

Q2 2024Q2 2026peer median

Efficiency

15

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Forbright Bank

Potomac, MD · Cert 57614 · Forbright Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$8.5BAssets
$6.1BLoans
$7.3BDeposits
$1.0BEquity
Loan mix
71%RE $2.7B25%C&I $0.9B5%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $6.9B6%Noninterest $0.4BQ2 2025Q2 2026

NIM

8.27%Q2 ’247.08%Q2 ’256.15%Q2 ’26-7%-16%

Non-interest income vs. expense

3.14%Q2 ’242.85%Q2 ’252.90%Q2 ’26-28%-6%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 2.4% share · #10 of 71 inst. · $7.3B of $301.4B

Executive Summary

  • Earnings: ROA of 0.62%, down 24 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 1.45% of loans (-19 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 11.24%, down 75 bps from a year ago.
  • Funding: loans stand at 83.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%-24 bps YoY

Net Interest Margin (YTD, annualized)

3.11%-59 bps YoY

Efficiency Ratio (YTD, annualized)

72.38%+832 bps YoY

Tier 1 Leverage Ratio

11.24%-75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%1.18%1.35%0.70%0.62%-24 bps
Return on Equity7.58%10.40%11.76%6.12%5.25%-233 bps
Net Interest Margin3.70%3.72%3.54%3.10%3.11%-59 bps
Efficiency Ratio64.06%58.37%59.56%73.52%72.38%+832 bps
Non-Interest Burden2.12%1.77%1.72%2.04%1.99%-13 bps
Growth
Asset Growth (YoY)5.45%7.49%9.17%13.23%14.85%+940 bps
Loan Growth (YoY)24.74%36.31%30.66%29.31%25.55%+81 bps
Deposit Growth (YoY)7.48%10.31%20.66%22.87%21.83%+1,435 bps
Asset Quality
Nonperforming Loans / Loans1.64%0.61%1.31%1.48%1.45%-19 bps
Net Charge-Offs / Loans0.23%0.19%0.23%0.28%0.22%-1 bps
Allowance / Loans0.99%0.95%0.94%0.91%0.90%-10 bps
Allowance Coverage of NPLs0.6x1.6x0.7x0.6x0.6x0.0x
Capital
Tier 1 Leverage Ratio11.99%11.12%10.40%10.19%11.24%-75 bps
Total Risk-Based Capital11.99%11.12%10.40%10.19%11.24%-75 bps
Equity / Assets11.46%11.51%11.67%11.32%12.21%+75 bps
Liquidity & Funding
Loans / Deposits80.83%82.78%83.07%81.37%83.30%+247 bps
Liquid Assets / Assets14.16%8.60%8.58%10.77%10.10%-406 bps
CRE / Total Capitaln/a292%315%330%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Forbright Bank

Potomac, MD · Cert 57614 · Peer group: banks $1B-$10B in assets (n=311-317) · Forbright Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$8.5BAssets
$6.1BLoans
$7.3BDeposits
$1.0BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 78% of banks $1B-$10B in assets (rank 71 of 317).
  • Widest gap: return on equity trails 92% of banks $1B-$10B in assets (rank 292 of 317).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.60%

Rank 287 of 317

Net Interest Margin

3.11%

Rank 228 of 317

Efficiency Ratio

72.94%

Rank 271 of 317

Equity / Assets

12.21%

Rank 71 of 317

Non-interest income vs. expense

$74.9M$238.2MINCOMEEXPENSE
Unfavorable gap of $163.3M · efficiency ratio beats 15% of banks $1B-$10B in assets
Bank 72.94%Peer median 59.7%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.60%0.93%1.22%1.51%Beats 9%287 / 317
Return on Equity4.89%8.63%11.43%14.48%Beats 8%292 / 317
Net Interest Margin3.11%3.06%3.45%3.83%Beats 28%228 / 317
Efficiency Ratio72.94%51.90%59.69%67.53%Beats 15%271 / 317
Asset Quality
Nonperforming Loans / Loans1.45%0.24%0.51%1.14%Beats 18%255 / 311
Net Charge-Offs / Loans0.13%0.01%0.04%0.12%Beats 24%236 / 311
Capital
Tier 1 Capital Ratio11.24%11.75%13.15%15.30%Beats 18%261 / 317
Total Risk-Based Capital Ratio11.24%12.63%14.21%16.26%Beats 11%283 / 317
Equity / Assets12.21%9.06%10.32%11.95%Beats 78%71 / 317
Liquidity & Funding
Loans / Deposits83.30%76.63%88.04%95.67%38th pctl192 / 312
Loans / Assets71.95%65.41%74.05%79.71%43rd pctl182 / 317
Brokered Deposits / Depositsn/aNot reported for this institution