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 | |