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Forbright Bank
Potomac, MD·FDIC Cert #57614·Charter: STATE·Est. 20031017.0·HC: FORBRIGHT INC
Total Assets
$7.9B
Q4 2025
Return on Assets
1.35%
+0.16%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
59.56%
Peer avg: 57.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.35%+0.16
ROE
11.76%+1.36
Efficiency
59.56%+1.19
Equity/Assets
0.00%+0.00
NPL Ratio
1.32%+0.71
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
82.29%+0.29
Charge-offs
0.26%+0.05
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 0.8 | 0.8 | 0.8 | 0.7 | 0.9 | 1.2 | 1.3 |
| ROE | 10.0 | 7.5 | 7.2 | 7.0 | 6.0 | 7.6 | 10.4 | 11.8 |
| Efficiency | 78.5 | 74.9 | 73.2 | 74.1 | 67.9 | 64.1 | 58.4 | 59.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 2.8 | 3.7 | 2.5 | 1.5 | 2.3 | 1.7 | 0.6 | 1.3 |
| Charge-offs | 0.5 | 0.8 | 0.9 | 0.8 | 0.4 | 0.2 | 0.2 | 0.3 |
| Loan/Deposit | 74.2 | 68.7 | 66.3 | 76.0 | 76.5 | 80.0 | 82.0 | 82.3 |
Balance Sheet
Total Assets$7.9B
Total Deposits$6.8B
Total Loans$5.6B
Total Equity$923.0M
Profitability
ROA1.35%
ROE11.76%
Efficiency Ratio59.56%
Net Income$101.0M
Risk & Asset Quality
NPL Ratio1.32%
Charge-off Rate0.26%
Loan/Deposit82.29%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans