Forbright Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 5.52 percentage points lower than in Q1 2026, at 34.31%. Forbright Bank ranks 19th of 27 Maryland banks on loan-to-deposit ratio, in the lower half at 83.30% (Q2 2026). Forbright Bank reported 83.30% on loan-to-deposit ratio for Q2 2026, 4.90 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.10B |
| Net loans and leases | $6.05B |
| Loans held for sale | $465.5M |
| Loans to total assets | 71.95% |
| Loan-to-deposit ratio | 83.30% |
| Net loans to equity capital | 5.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.26% |
| Multifamily (5+ residential) | 3.69% |
| Commercial and industrial | 15.91% |
| Consumer | 2.89% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 140.67% |
| Construction concentration (Tier 1 capital + allowance) | 34.31% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.32% |
| Interest income on loans | $107.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.65B | $5.47B | 26.74% | 26.00% | 9.88% |
| Q4 2023 | $4.49B | $5.91B | 26.65% | 26.78% | 7.66% |
| Q1 2024 | $4.08B | $5.42B | 25.37% | 27.56% | 7.51% |
| Q2 2024 | $3.90B | $5.59B | 25.81% | 24.69% | 6.04% |
| Q3 2024 | $3.97B | $5.92B | 26.95% | 23.53% | 5.51% |
| Q4 2024 | $4.32B | $5.64B | 26.76% | 21.59% | 4.90% |
| Q1 2025 | $4.51B | $5.83B | 26.39% | 20.54% | 4.59% |
| Q2 2025 | $4.86B | $6.01B | 30.21% | 18.87% | 4.13% |
| Q3 2025 | $5.41B | $6.53B | 33.03% | 17.86% | 3.58% |
| Q4 2025 | $5.65B | $6.80B | 35.13% | 17.11% | 3.31% |
| Q1 2026 | $5.83B | $7.16B | 36.32% | 16.26% | 3.11% |
| Q2 2026 | $6.10B | $7.33B | 37.26% | 15.91% | 2.89% |
Forbright Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Forbright Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Forbright Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57614) · FFIEC NIC profile (RSSD 3187630)