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Founders Bank

Washington, DC · Cert 59193

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

12

Q2 2024Q2 2026peer median

Efficiency

22

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 2026-10-11

Founders Bank

Washington, DC · Cert 59193

State charter, non-member · FDIC · 1 branch

Q2 2026

$406.0MAssets
$336.0MLoans
$334.7MDeposits
$54.6MEquity
Loan mix
97%RE $308.5M3%C&I $10.3M0%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $253.3M24%Noninterest $81.3MQ3 2024Q2 2026

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.1% share · #44 of 71 inst. · $0.3B of $301.4B

Executive Summary

  • Earnings: ROA of 0.54%, up 24 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.18%, up 13 bps from a year ago.
  • Funding: loans stand at 100.40% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.54%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+39 bps YoY

Efficiency Ratio (YTD, annualized)

81.11%-103 bps YoY

Tier 1 Leverage Ratio

14.18%+13 bps YoY

NIM

5.43%Q2 ’245.51%Q2 ’255.65%Q2 ’26+7%+12%

Non-interest income vs. expense

2.90%Q2 ’242.85%Q2 ’253.14%Q2 ’26-4%+10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.70%0.14%0.30%0.39%0.55%0.50%0.54%+24 bps
Return on Equity5.33%4.45%0.96%2.13%2.81%3.87%3.42%3.82%+169 bps
Net Interest Margin3.09%3.12%3.44%3.38%3.47%3.48%3.78%3.77%+39 bps
Efficiency Ratio89.57%86.79%85.18%82.14%80.95%77.84%82.91%81.11%-103 bps
Non-Interest Burden2.77%2.70%2.92%2.76%2.79%2.69%3.12%3.04%+28 bps
Growth
Asset Growth (YoY)17.85%18.47%18.22%18.33%15.89%5.54%4.89%8.71%-962 bps
Loan Growth (YoY)20.90%20.60%29.92%25.68%17.93%10.97%4.56%5.85%-1,983 bps
Deposit Growth (YoY)20.62%21.58%24.54%24.97%23.50%9.52%5.09%9.65%-1,532 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.99%0.95%0.94%0.94%0.95%0.89%0.85%0.81%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.35%15.01%14.67%14.05%14.05%14.15%14.61%14.18%+13 bps
Total Risk-Based Capital15.35%15.01%14.67%14.05%14.05%14.15%14.61%14.18%+13 bps
Equity / Assets15.16%14.96%14.00%13.82%13.63%15.00%14.15%13.46%-36 bps
Liquidity & Funding
Loans / Deposits102.66%103.20%102.93%104.00%98.03%104.56%102.41%100.40%-360 bps
Liquid Assets / Assets13.38%12.84%10.81%9.83%11.48%5.53%5.55%6.98%-285 bps
CRE / Total Capitaln/an/an/an/a437%420%438%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 2026-10-11

Founders Bank

Washington, DC · Cert 59193 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 1 branch

Q2 2026

$406.0MAssets
$336.0MLoans
$334.7MDeposits
$54.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: return on equity trails 83% of banks under $1B in assets (rank 519 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.51%

Rank 504 of 629

Net Interest Margin

3.77%

Rank 243 of 629

Efficiency Ratio

81.11%

Rank 489 of 629

Equity / Assets

13.46%

Rank 172 of 629

Non-interest income vs. expense

$0.4M$12.4MINCOMEEXPENSE
Unfavorable gap of $12.0M · efficiency ratio beats 22% of banks under $1B in assets
Bank 81.11%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.51%0.60%1.01%1.45%Beats 20%504 / 629
Return on Equity3.78%5.38%9.30%13.28%Beats 17%519 / 629
Net Interest Margin3.77%3.03%3.54%4.05%Beats 61%243 / 629
Efficiency Ratio81.11%58.35%67.79%79.08%Beats 22%489 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio14.18%11.24%13.84%18.77%Beats 53%297 / 629
Total Risk-Based Capital Ratio14.18%11.58%14.43%19.66%Beats 48%330 / 629
Equity / Assets13.46%9.09%10.65%13.80%Beats 73%172 / 629
Liquidity & Funding
Loans / Deposits100.40%67.24%80.90%93.48%87th pctl77 / 594
Loans / Assets82.75%53.31%67.71%78.15%87th pctl81 / 629
Brokered Deposits / Depositsn/aNot reported for this institution