BlastPoint's Banking Scorecard
Founders Bank
Washington, DC
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 3 in DC.
- Deposits +9.6% year over year ($334.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.54%.
- Efficiency ratio 81.11% vs a 64.48% peer average.
- Loan-to-deposit ratio 99.58% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Founders Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.06% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 48.2% in tier
- - Non-Interest Income / Assets 0.52% below tier average
- - ROA 0.78% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$406.0M
+8.7% YoY
+6.2% QoQ
|
+$19.5M |
$386.6M
+1.2% YoY
|
$871.1M
+13.4% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$333.3M
+6.0% YoY
+5.2% QoQ
|
+$74.9M |
$258.3M
+1.7% YoY
|
$589.9M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$334.7M
+9.6% YoY
+7.2% QoQ
|
+$7.9M |
$326.7M
+0.7% YoY
|
$695.9M
+14.8% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
0.54%
+78.8% YoY
+8.7% QoQ
|
-0.78% |
1.32%
+10.8% YoY
|
0.44%
+153.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 13.4% in tier |
| Net Interest Margin ? |
4.05%
+9.8% YoY
+0.8% QoQ
|
+0.06% |
3.99%
+5.0% YoY
|
3.57%
+4.4% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
81.11%
-1.2% YoY
-2.2% QoQ
|
+16.63% |
64.48%
-3.2% YoY
|
74.74%
-12.2% YoY
|
70.05%
+2.5% YoY
|
Bottom 12.4% in tier |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
2.53%
+84.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
99.58%
-3.3% YoY
-1.9% QoQ
|
+21.63% |
77.95%
+1.0% YoY
|
84.15%
-6.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 10.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.30%
-1.8% YoY
-3.1% QoQ
|
+2.27% |
22.03%
-0.6% YoY
|
21.36%
-2.9% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
1.45%
+78.5% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.18%
+0.9% YoY
-2.9% QoQ
|
-1.73% |
15.91%
+1.4% YoY
|
17.59%
-1.5% YoY
|
17.09%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.05%
+13.3% YoY
+98.2% QoQ
|
-0.52% |
0.57%
+7.6% YoY
|
0.21%
+22.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 5.6% in tier |
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 (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.3%
-0.4pp YoY -0.8pp QoQ |
+2.2pp | 22.1% | 21.4% | 22.2% | 63% |
| Brokered Deposits |
17.9%
+1.3pp YoY +6.1pp QoQ |
+10.0pp | 7.9% | 11.8% | 8.5% | 88% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.8%
0.0pp YoY -0.5pp QoQ |
-8.8pp | 11.6% | 11.7% | 12.5% | 9% |
| CRE |
77.8%
+2.6pp YoY +1.7pp QoQ |
+38.2pp | 39.5% | 70.2% | 41.4% | 96% |
| 1-4 Family |
20.0%
-2.7pp YoY -1.3pp QoQ |
-12.6pp | 32.6% | 19.5% | 31.3% | 30% |
| Consumer |
0.2%
0.0pp YoY 0.0pp QoQ |
-3.9pp | 4.1% | 0.1% | 5.0% | 9% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 21.5% | 19.7% | n/a |
| Leverage Ratio |
14.2%
+0.1pp YoY -0.4pp QoQ |
+2.0pp | 12.2% | 13.6% | 12.6% | 82% |
| Total Capital Ratio | n/a | n/a | 19.9% | 22.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
44
+10 (+29.4%) YoY +4 (+10.0%) QoQ |
-15 | 58 | 86 | 482 | 46% |
| Assets per Employee ($) |
$9.2M
-16.0% YoY -3.5% QoQ |
+$1.7M | $7.5M | $10.6M | $8.8M | 81% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 1.6% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 2.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 0.65x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.7% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.8%
+1.7pp YoY +0.4pp QoQ |
-8.4pp | 12.2% | 3.7% | 11.6% | 10% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.7% | 1.7% | 71% |
| Net Income ($, YTD) |
$1.0M
+90.2% YoY — QoQ |
-$1.5M | $2.6M | $1.7M | $40.4M | 28% |
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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)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.