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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.72% | 0.67% | 1.05% | 1.82% | 1.81% | 0.70% | 0.53% | -51 bps | |
| Return on Equity | 6.56% | 6.46% | 5.97% | 9.16% | 15.87% | 15.59% | 6.12% | 4.51% | -465 bps | |
| Net Interest Margin | 3.44% | 3.39% | 3.65% | 3.82% | 4.14% | 3.59% | 3.10% | 3.20% | -63 bps | |
| Efficiency Ratio | 70.16% | 76.88% | 67.87% | 60.35% | 49.67% | 62.86% | 73.52% | 71.35% | +1,100 bps | |
| Non-Interest Burden | 2.24% | 2.51% | 2.23% | 2.05% | 1.36% | 1.82% | 2.04% | 1.98% | -7 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 | 1.12% | 0.54% | 0.35% | 0.14% | 0.14% | 0.37% | 0.28% | 0.18% | +4 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 | |