BlastPoint's Banking Scorecard
Forbright Bank
Designations: ✓ Community bank
Potomac, MD
4 branches across MD
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 10 in MD.
- Deposits +21.8% year over year ($7.3B on the books).
- Delinquency rate 1.46%.
- Return on assets 0.62%.
- Efficiency ratio 72.38% vs a 59.73% peer average.
- Loan-to-deposit ratio 82.55% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Forbright Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 90.3% in tier
- - Return on Assets 0.77% below tier average
- - Non-Interest-Bearing Deposit Share 15.33% below tier average
- - Net Interest Margin 0.66% below tier average
- - Delinquency Rate 0.59% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.5B
+14.9% YoY
+2.8% QoQ
|
+$5.7B |
$2.8B
-0.6% YoY
|
$1.8B
+4.0% YoY
|
$6.3B
+7.7% YoY
|
Top 3.4% in tier |
| Total Loans ? |
$6.0B
+25.7% YoY
+4.7% QoQ
|
+$4.1B |
$2.0B
-0.3% YoY
|
$1.3B
+3.8% YoY
|
$3.2B
+9.4% YoY
|
Top 3.4% in tier |
| Total Deposits ? |
$7.3B
+21.8% YoY
+2.3% QoQ
|
+$5.0B |
$2.3B
-0.5% YoY
|
$1.6B
+4.1% YoY
|
$4.9B
+7.3% YoY
|
Top 2.3% in tier |
| Return on Assets ? |
0.62%
-28.3% YoY
-12.3% QoQ
|
-0.77% |
1.39%
+17.0% YoY
|
0.92%
+12.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.9% in tier |
| Net Interest Margin ? |
3.21%
-11.3% YoY
+1.0% QoQ
|
-0.66% |
3.87%
+6.2% YoY
|
3.72%
+5.0% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
72.38%
+13.0% YoY
-1.6% QoQ
|
+12.65% |
59.73%
-12.6% YoY
|
67.38%
-3.5% YoY
|
70.05%
+2.5% YoY
|
17% |
| Delinquency Rate ? |
1.46%
-11.9% YoY
-2.3% QoQ
|
+0.59% |
0.87%
+11.7% YoY
|
1.07%
+9.6% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
82.55%
+3.2% YoY
+2.4% QoQ
|
-2.48% |
85.04%
-0.1% YoY
|
87.38%
+1.5% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
5.94%
+21.1% YoY
-10.1% QoQ
|
-15.33% |
21.27%
-1.5% YoY
|
20.47%
+3.3% YoY
|
21.98%
-0.6% YoY
|
Bottom 5.1% in tier |
| Nonperforming Asset Ratio ? |
1.10%
-12.2% YoY
-3.2% QoQ
|
+0.43% |
0.67%
+11.7% YoY
|
0.90%
+8.0% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
11.24%
-6.3% YoY
+10.3% QoQ
|
-3.60% |
14.84%
-0.4% YoY
|
16.33%
+1.1% YoY
|
17.09%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.44%
+30.5% YoY
+125.2% QoQ
|
-0.09% |
0.53%
+2.5% YoY
|
0.25%
+1.8% YoY
|
0.66%
+5.2% YoY
|
75% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
5.9%
+1.0pp YoY -0.7pp QoQ |
-15.4pp | 21.4% | 21.3% | 22.2% | 4% |
| Brokered Deposits |
12.9%
-4.2pp YoY -2.4pp QoQ |
+3.4pp | 9.5% | 10.7% | 8.5% | 77% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.1%
-3.0pp YoY -0.4pp QoQ |
+2.1pp | 14.0% | 8.9% | 12.5% | 70% |
| CRE |
46.8%
+5.1pp YoY +0.7pp QoQ |
-3.2pp | 50.0% | 50.0% | 41.4% | 41% |
| 1-4 Family |
0.8%
-0.5pp YoY -0.1pp QoQ |
-25.6pp | 26.4% | 37.9% | 31.3% | 2% |
| Consumer |
2.9%
-1.2pp YoY -0.2pp QoQ |
-1.8pp | 4.7% | 3.2% | 5.0% | 73% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 16.4% | 19.7% | n/a |
| Leverage Ratio |
11.2%
-0.8pp YoY +1.1pp QoQ |
-0.1pp | 11.3% | 13.0% | 12.6% | 65% |
| Total Capital Ratio | n/a | n/a | 16.7% | 17.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
548
+27 (+5.2%) YoY +2 (+0.4%) QoQ |
+234 | 313 | 170 | 482 | 86% |
| Assets per Employee ($) |
$15.5M
+9.2% YoY +2.4% QoQ |
+$5.0M | $10.5M | $9.4M | $8.8M | 91% |
| Branch Count |
4
0 YoY +1 (+33.3%) QoQ |
-16 | 20 | 9 | 18 | 10% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.4% | 36% |
| Nonaccrual |
1.5%
-0.2pp YoY 0.0pp QoQ |
+0.6pp | 0.8% | 1.1% | 1.0% | 85% |
| Allowance Coverage |
0.62x
+2.3% YoY +1.1% QoQ |
-18.09x | 18.71x | 46.66x | 20.23x | 10% |
| Net Charge-off Rate (YTD) |
0.2%
0.0pp YoY -0.1pp QoQ |
0.0pp | 0.3% | 0.1% | 0.2% | 82% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.2%
-2.3pp YoY -0.9pp QoQ |
-7.3pp | 12.6% | 8.0% | 11.6% | 8% |
| Cost of Funds (YTD) |
3.2%
-0.1pp YoY 0.0pp QoQ |
+1.3pp | 1.9% | 1.9% | 1.7% | 98% |
| Net Income ($, YTD) |
$25.3M
-19.4% YoY — QoQ |
+$6.1M | $19.2M | $8.4M | $40.4M | 77% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.