Forbright Bank
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Data as of · sourced from FFIEC call reports. How we update
Forbright Bank is an FDIC-insured commercial bank headquartered in Potomac, MD, established in 2003 (FDIC certificate 57614), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $8.48B, up 14.9% from Q2 2025, the 2nd largest of 27 banks headquartered in Maryland. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.24% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57614
- Headquarters
- Potomac, MD
- Established
- 2003
- Total assets, Q2 2026
- $8.48B
- Assets vs Q2 2025
- +14.9%
- Tier 1 leverage ratio, Q2 2026
- 11.24%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 055003418
- Latest call report
- Q2 2026, FFIEC 041 · Forbright Bank call report
- Holding company
- FORBRIGHT, INC.
- Asset rank in state
- 2nd of 27 in Maryland
Forbright Bank spends more to run itself than most banks of its size. The Potomac, Maryland bank had $8.5 billion in assets at June 30, 2026, up 14.9% from a year earlier. It earns about $0.54 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also pays an average of 3.59% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
Earnings fell sharply: quarterly net income of $11 million was 42% below a year earlier. The commercial and industrial book ($971 million) is worsening: 2.01% of it is past due or on nonaccrual, up from 0.64% a year earlier. Costs are the weak spot: it spends about 71 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Forbright Bank reported a return on assets of 0.54%, a nonperforming-loan ratio of 1.45% and a Texas ratio of 8.81%. The figures come from its call report filed with the FFIEC.
Forbright Bank ranks as the 2nd largest of the 27 banks based in Maryland, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.8% to $8.48B, loans rose 4.7% and deposits rose 2.3%. Loans to nondepository financial institutions made up 33.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 24.1%. Its 4 offices in the FDIC Summary of Deposits are in Potomac, MD, North Bethesda, MD and Chevy Chase, MD; its Potomac office books 99% of its branch deposits. On its Q2 2026 call report, Forbright Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 7963 Tuckerman Ln, Potomac, MD 20854
- County
- Montgomery
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 17, 2003
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 548
- Domestic deposits
- $7.33B
- Allowance for credit losses
- $54.7M
- Net charge-offs (YTD)
- $6.8M
- Average total assets
- $8.22B
- Average total loans
- $5.87B
- Average interest-bearing deposits
- $6.72B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 17, 2003
- FDIC Cert
- 57614
- Fed RSSD
- 3187630
- SEC CIK
- 1925062 → filed by FORBRIGHT, INC.
- Website
- WWW.FORBRIGHTBANK.COM →
- Parent Holding Company
- FORBRIGHT, INC. (RSSD 3391129) · FRBT
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| John K Delaney | CEO | Chief Executive Officer |
| Donald F Cole | PRES | President and COO |
| Lynch Christopher Spencer | CFO | EVP and CFO |
| Lisa Cuba | CRO | EVP and CRO |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Forbright Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Forbright Bank's total assets ranged from $6.79B (Q3 2023) to $8.48B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$8.48B total assets against $7.38B; $7.44B total liabilities against $6.54B.
$6.05B net loans and leases against $4.81B; $7.33B total deposits against $6.01B.
$1.26B securities against $1.31B; $833.9M cash and balances due against $1.01B.
$129.1M total interest income against $125.0M; $64.4M total interest expense against $59.4M.
$64.6M net interest income against $65.6M.
$21.3M total noninterest income against $11.5M; $61.9M total noninterest expense against $46.9M.
$5.9M provision for credit losses against $4.1M.
$11.1M net income against $19.2M.
0.54% return on assets against 1.11%; 3.26% net interest margin against 3.88%.
11.24% tier 1 leverage ratio against 11.99%.
Inside the full Forbright Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeForbright Bank rankings
Its closest position to the top of a national ranking is 187 of 4,196, for total assets; its furthest is 902 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.54% (Q2 2026) to 1.86% (Q3 2025) and its net interest margin ran from 3.14% (Q1 2026) to 4.15% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.24% | 0.54% | 1.45% | 8.81% | 3.26% |
| Q1 2026 | 10.19% | 0.71% | 1.48% | 9.77% | 3.14% |
| Q4 2025 | 10.40% | 1.81% | 1.31% | 8.76% | 3.67% |
| Q3 2025 | 10.16% | 1.86% | 0.61% | 4.56% | 4.15% |
| Q2 2025 | 11.99% | 1.11% | 1.64% | 10.22% | 3.88% |
| Q1 2025 | 11.93% | 0.72% | 2.23% | 15.03% | 3.74% |
| Q4 2024 | 11.92% | 0.78% | 1.44% | 10.68% | 3.46% |
| Q3 2024 | 11.41% | 0.76% | 2.51% | 15.06% | 3.50% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Forbright Bank (main office) | Potomac , MD | 20854 | $7.22B |
| Forbright Bank Branch | North Bethesda , MD | 20852 | $88.9M |
| Forbright Bank Branch | Chevy Chase , MD | 20815 | $14.6M |
| Administrative Office Branch | Chevy Chase , MD | 20815 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 20, 2018 | Structure Change | Acquired Alliance Partners 1 LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2016 | Structure Change | Acquired American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 3.6% of deposits in MD, rank 7 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 32 applications, 24 loans originated, $22.3M originated, across 4 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $545K approved, $272K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Forbright Bank
What are Forbright Bank's total assets?
As of the Q2 2026 filing, Forbright Bank reported total assets of $8.48 billion in its FFIEC call report.
Where is Forbright Bank headquartered?
It is headquartered in Potomac, MD, United States.
When was Forbright Bank founded?
It was established in 2003, per the FDIC institution directory.
Is Forbright Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57614). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Forbright Bank?
Forbright Bank's primary federal regulator is the FDIC.
How many branches does Forbright Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Forbright Bank's Texas Ratio?
Its Texas Ratio is 8.81% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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