BlastPoint's Banking Scorecard
Forbright Bank
Mid-Market
Specialty: Commercial
MD
FDIC cert 57614
Designations: ✓ Community bank
Potomac, MD
201
banks in Mid-Market tier nationally
4 in MD
View Mid-Market leaderboard (MD) →
Forbright Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 20% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.9B
+9.3% YoY
+2.9% QoQ
|
-$2.5B |
$10.5B
+2.9% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$5.6B
+30.7% YoY
+4.5% QoQ
|
-$1.5B |
$7.1B
+4.5% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$6.8B
+20.7% YoY
+4.1% QoQ
|
-$1.7B |
$8.5B
+3.0% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
1.35%
+71.8% YoY
+13.6% QoQ
|
+0.18% |
1.16%
+9.4% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
3.77%
+7.4% YoY
-0.7% QoQ
|
+0.37% |
3.40%
+7.9% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
59.56%
-19.6% YoY
+2.0% QoQ
|
+2.95% |
56.60%
-3.2% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
1.32%
-9.0% YoY
+116.1% QoQ
|
+0.64% |
0.68%
+12.0% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
82.29%
+8.3% YoY
+0.4% QoQ
|
-3.19% |
85.47%
+1.1% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
5.48%
-6.4% YoY
+0.6% QoQ
|
-15.16% |
20.64%
-0.3% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
1.06%
-12.8% YoY
+93.0% QoQ
|
+0.56% |
0.50%
+7.3% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -13.55% |
13.55%
+1.8% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
Bottom 1% in tier |
| Non-Interest Income / Assets ? |
0.91%
+167.5% YoY
+40.0% QoQ
|
-0.05% |
0.96%
+7.1% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#11 of 51 · Bottom 20% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
74
74th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.96%
68
68th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.40%
65
65th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
49
49th pctile
Total Deposits
Current: $6.8B · Tier avg: $8.5B
45
45th pctile
Total Loans
Current: $5.6B · Tier avg: $7.1B
45
45th pctile
Total Assets
Current: $7.9B · Tier avg: $10.5B
37
37th pctile
Efficiency Ratio
Current: 59.56% · Tier avg: 56.60%
36
36th pctile
Loan-to-Deposit Ratio
Current: 82.29% · Tier avg: 85.47%
14
14th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.68%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 5.48% · Tier avg: 20.64%
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
Top Weaknesses
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 5.48% · Tier avg: 20.64%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
14
14th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.68%
36
36th pctile
Loan-to-Deposit Ratio
Current: 82.29% · Tier avg: 85.47%
37
37th pctile
Efficiency Ratio
Current: 59.56% · Tier avg: 56.60%
45
45th pctile
Total Assets
Current: $7.9B · Tier avg: $10.5B
45
45th pctile
Total Loans
Current: $5.6B · Tier avg: $7.1B
49
49th pctile
Total Deposits
Current: $6.8B · Tier avg: $8.5B
65
65th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
68
68th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.40%
74
74th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.96%