BlastPoint's Banking Scorecard
Founders Bank
Washington, DC
Founders Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + Net Interest Margin 0.08% above tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 24.90% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - ROA 0.77% below tier average
- - Efficiency Ratio 17.62% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$382.4M
+4.9% YoY
+7.0% QoQ
|
-$3.7M |
$386.1M
+0.5% YoY
|
$829.1M
+7.3% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$316.9M
+4.7% YoY
+4.5% QoQ
|
+$61.2M |
$255.7M
+1.1% YoY
|
$576.6M
+4.6% YoY
|
$3.2B
+10.8% YoY
|
70% |
| Total Deposits ? |
$312.1M
+5.1% YoY
+6.7% QoQ
|
-$15.9M |
$328.0M
+0.1% YoY
|
$679.0M
+12.7% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
0.50%
+258.4% YoY
-9.8% QoQ
|
-0.77% |
1.27%
+12.9% YoY
|
0.37%
+484.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.1% in tier |
| Net Interest Margin ? |
4.01%
+10.6% YoY
+4.5% QoQ
|
+0.08% |
3.93%
+6.0% YoY
|
3.54%
+5.2% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
82.91%
-2.7% YoY
+6.5% QoQ
|
+17.62% |
65.29%
-4.5% YoY
|
77.83%
-13.9% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.2% in tier |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
2.48%
+139.7% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
101.54%
-0.4% YoY
-2.0% QoQ
|
+24.90% |
76.64%
+0.8% YoY
|
85.31%
-6.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.07%
+10.4% YoY
+4.6% QoQ
|
+3.05% |
22.02%
-1.0% YoY
|
21.25%
-1.8% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
1.46%
+145.7% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.61%
-0.4% YoY
+3.2% QoQ
|
-1.23% |
15.83%
+1.5% YoY
|
17.47%
-1.4% YoY
|
17.06%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.03%
+7.7% YoY
-77.3% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.10%
+17.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.9% in tier |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.