BlastPoint's Banking Scorecard
Founders Bank
Micro
Specialty: Commercial
DC
FDIC cert 59193
Designations: ✓ Community bank
Washington, DC
2498
banks in Micro tier nationally
1 in DC
View Micro leaderboard (DC) →
Founders Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.10% above tier
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$357.4M
+5.5% YoY
-7.0% QoQ
|
+$139.9M |
$217.5M
+2.3% YoY
|
$808.9M
+3.0% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$303.2M
+11.0% YoY
-2.5% QoQ
|
+$164.0M |
$139.2M
+2.8% YoY
|
$563.7M
+3.3% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$292.6M
+9.5% YoY
-8.6% QoQ
|
+$108.9M |
$183.7M
+1.8% YoY
|
$641.5M
+8.7% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
0.55%
-20.7% YoY
+39.6% QoQ
|
-0.53% |
1.08%
+14.7% YoY
|
-0.08%
-115.1% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.84%
+8.8% YoY
+1.9% QoQ
|
-0.01% |
3.85%
+6.6% YoY
|
3.49%
+5.0% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
77.84%
-10.3% YoY
-3.8% QoQ
|
+10.12% |
67.73%
-4.8% YoY
|
78.50%
-4.0% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
2.27%
+111.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
103.63%
+1.4% YoY
+6.7% QoQ
|
+29.10% |
74.53%
+0.5% YoY
|
87.82%
-4.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.97%
-18.8% YoY
-5.5% QoQ
|
+1.57% |
22.39%
-1.3% YoY
|
20.86%
-11.5% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
1.32%
+116.2% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.31%
-1.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.11%
+346.7% YoY
+58.3% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.34%
+7.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
103.63%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
93
93th pctile
Total Loans
Current: $303.2M · Tier avg: $139.2M
82
82th pctile
Total Assets
Current: $357.4M · Tier avg: $217.5M
80
80th pctile
Total Deposits
Current: $292.6M · Tier avg: $183.7M
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 23.97% · Tier avg: 22.39%
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
23
23th pctile
Efficiency Ratio
Current: 77.84% · Tier avg: 67.73%
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.63% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.63% · Tier avg: 74.53%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
23
23th pctile
Efficiency Ratio
Current: 77.84% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 23.97% · Tier avg: 22.39%
80
80th pctile
Total Deposits
Current: $292.6M · Tier avg: $183.7M
82
82th pctile
Total Assets
Current: $357.4M · Tier avg: $217.5M
93
93th pctile
Total Loans
Current: $303.2M · Tier avg: $139.2M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%