Potomac, MD · Cert 57614 · Forbright Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets (n=313 to 319). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
22
Profitability
15
Liquidity
79
Efficiency
15
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.
Potomac, MD · Cert 57614 · Forbright Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 2.4% share · #10 of 71 inst. · $7.3B of $301.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.78% | 0.67% | 0.86% | 1.18% | 1.35% | 0.70% | 0.62% | -24 bps | |
| Return on Equity | 7.21% | 7.02% | 5.97% | 7.58% | 10.40% | 11.76% | 6.12% | 5.25% | -233 bps | |
| Net Interest Margin | 3.51% | 3.54% | 3.65% | 3.70% | 3.72% | 3.54% | 3.10% | 3.11% | -59 bps | |
| Efficiency Ratio | 73.22% | 74.12% | 67.87% | 64.06% | 58.37% | 59.56% | 73.52% | 72.38% | +832 bps | |
| Non-Interest Burden | 2.50% | 2.55% | 2.23% | 2.12% | 1.77% | 1.72% | 2.04% | 1.99% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.46% | 6.25% | 6.13% | 5.45% | 7.49% | 9.17% | 13.23% | 14.85% | +940 bps | |
| Loan Growth (YoY) | -14.61% | -3.69% | 10.46% | 24.74% | 36.31% | 30.66% | 29.31% | 25.55% | +81 bps | |
| Deposit Growth (YoY) | 8.23% | -4.68% | 7.45% | 7.48% | 10.31% | 20.66% | 22.87% | 21.83% | +1,435 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.51% | 1.44% | 2.23% | 1.64% | 0.61% | 1.31% | 1.48% | 1.45% | -19 bps | |
| Net Charge-Offs / Loans | 0.94% | 0.78% | 0.35% | 0.23% | 0.19% | 0.23% | 0.28% | 0.22% | -1 bps | |
| Allowance / Loans | 1.08% | 0.98% | 1.04% | 0.99% | 0.95% | 0.94% | 0.91% | 0.90% | -10 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.7x | 0.5x | 0.6x | 1.6x | 0.7x | 0.6x | 0.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.41% | 11.92% | 11.93% | 11.99% | 11.12% | 10.40% | 10.19% | 11.24% | -75 bps | |
| Total Risk-Based Capital | 11.41% | 11.92% | 11.93% | 11.99% | 11.12% | 10.40% | 10.19% | 11.24% | -75 bps | |
| Equity / Assets | 11.19% | 11.22% | 11.35% | 11.46% | 11.51% | 11.67% | 11.32% | 12.21% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.99% | 76.71% | 77.31% | 80.83% | 82.78% | 83.07% | 81.37% | 83.30% | +247 bps | |
| Liquid Assets / Assets | 21.06% | 16.64% | 16.99% | 14.16% | 8.60% | 8.58% | 10.77% | 10.10% | -406 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 292% | 315% | 330% | n/a | n/a | |
Potomac, MD · Cert 57614 · Peer group: banks $1B-$10B in assets (n=313-319) · Forbright Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
0.60%
Rank 287 of 319
Net Interest Margin
3.11%
Rank 230 of 319
Efficiency Ratio
72.94%
Rank 271 of 319
Equity / Assets
12.21%
Rank 72 of 319
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.91% | 1.21% | 1.53% | Beats 10% | 287 / 319 | ||
| Return on Equity | 4.89% | 8.49% | 11.44% | 14.57% | Beats 8% | 293 / 319 | ||
| Net Interest Margin | 3.11% | 3.06% | 3.43% | 3.81% | Beats 28% | 230 / 319 | ||
| Efficiency Ratio | 72.94% | 51.90% | 59.57% | 67.64% | Beats 15% | 271 / 319 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.45% | 0.25% | 0.54% | 1.18% | Beats 19% | 255 / 313 | ||
| Net Charge-Offs / Loans | 0.13% | 0.01% | 0.04% | 0.12% | Beats 24% | 238 / 313 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.24% | 11.74% | 12.99% | 15.28% | Beats 18% | 262 / 319 | ||
| Total Risk-Based Capital Ratio | 11.24% | 12.61% | 14.01% | 16.23% | Beats 10% | 287 / 319 | ||
| Equity / Assets | 12.21% | 9.03% | 10.33% | 12.01% | Beats 77% | 72 / 319 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.30% | 76.76% | 88.16% | 95.43% | 39th pctl | 193 / 314 | ||
| Loans / Assets | 71.95% | 65.79% | 74.05% | 79.84% | 42nd pctl | 184 / 319 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||