Founders Bank
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Data as of · sourced from FFIEC call reports. How we update
Founders Bank is an FDIC-insured commercial bank headquartered in Washington, DC, established in 2020 (FDIC certificate 59193), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $406.0M, up 8.7% from Q2 2025, the 4th largest of 4 banks headquartered in District of Columbia. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.18% 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
- 59193
- Headquarters
- Washington, DC
- Established
- 2020
- Total assets, Q2 2026
- $406.0M
- Assets vs Q2 2025
- +8.7%
- Tier 1 leverage ratio, Q2 2026
- 14.18%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 054001767
- Asset rank in state
- 4th of 4 in District of Columbia
Founders Bank leans heavily on commercial real estate. It reported $406 million in assets at June 30, 2026, up 8.7% from a year earlier. It holds commercial real estate loans worth 4.1 times its capital, 3.5 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $573,000, 36% above the same quarter a year earlier. Over the same year, loans grew 5.8% and deposits grew 9.6%. Profitability lags: it returns 4.2% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, Founders Bank reported a return on assets of 0.58%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
From Q1 2026 to Q2 2026, its total assets rose 6.2% to $406.0M, loans rose 5.1% and deposits rose 7.2%. Non-owner-occupied commercial real estate loans made up 44.8% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 20.0%. The FDIC Summary of Deposits lists a single office for it, in Washington, DC. Judged on its Q2 2026 call report, Founders Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 5225 Wisconsin Ave Nw, Washington, DC 20015
- County
- District Of Columbia
- 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 051
- Established
- March 30, 2020
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $334.7M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $393.7M
- Average total loans
- $326.4M
- Average interest-bearing deposits
- $245.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 30, 2020
- FDIC Cert
- 59193
- Fed RSSD
- 5398355
- Website
- https://founders.bank →
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, Founders 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, Founders Bank's total assets ranged from $281.4M (Q3 2023) to $406.0M (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
$406.0M total assets against $373.5M; $351.4M total liabilities against $321.9M.
$333.3M net loans and leases against $314.4M; $334.7M total deposits against $305.2M.
$28.5M securities against $7.0M; $29.6M cash and balances due against $37.9M.
$5.8M total interest income against $5.4M; $1.9M total interest expense against $2.1M.
$3.9M net interest income against $3.3M.
$106K total noninterest income against $79K; $3.2M total noninterest expense against $2.7M.
$0 provision for credit losses against $119K.
$573K net income against $421K.
0.58% return on assets against 0.45%; 4.04% net interest margin against 3.62%.
14.18% tier 1 leverage ratio against 14.05%.
Inside the full Founders Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Founders Bank rankings
Its closest position to the top of a national ranking is 2,037 of 4,196, for total assets; its furthest is 3,433 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.14% (Q1 2025) to 0.96% (Q4 2025) and its net interest margin ran from 3.40% (Q3 2024) to 4.04% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.18% | 0.58% | 0.00% | 0.00% | 4.04% |
| Q1 2026 | 14.61% | 0.49% | 0.00% | 0.00% | 3.91% |
| Q4 2025 | 14.15% | 0.96% | 0.00% | 0.00% | 3.75% |
| Q3 2025 | 14.05% | 0.57% | 0.00% | 0.00% | 3.87% |
| Q2 2025 | 14.05% | 0.45% | 0.00% | 0.00% | 3.62% |
| Q1 2025 | 14.67% | 0.14% | 0.00% | 0.00% | 3.56% |
| Q4 2024 | 15.01% | 0.27% | 0.00% | 0.00% | 3.54% |
| Q3 2024 | 15.35% | 0.24% | 0.00% | 0.00% | 3.40% |
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Branch Network
View the branch → 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 |
|---|---|---|---|
| Founders Bank (main office) | Washington , DC | 20015 | $334.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in DC, rank 18 of 30 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Founders Bank
What are Founders Bank's total assets?
As of the Q2 2026 filing, Founders Bank reported total assets of $406.0 million in its FFIEC call report.
Where is Founders Bank headquartered?
It is headquartered in Washington, DC, United States.
When was Founders Bank founded?
It was established in 2020, per the FDIC institution directory.
Is Founders Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59193). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Founders Bank?
Founders Bank's primary federal regulator is the FDIC.
How many branches does Founders Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Founders Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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