FDIC Cert #57614 · Potomac, Maryland · Est. 2003

Forbright Bank - FDIC Bank Health Profile

A community-scale look at Forbright Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$7.9B
Total assets
B
Health grade · Good
1.35%
Return on assets
11.1%
Tier 1 capital

Data updated July 2026

The verdict

Forbright Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.11% Tier 1, profitable at 1.35% ROA, efficient (60% cost ratio).

#198
largest of 4,313 FDIC banks by assets
95th
percentile by asset size, nationally
11.11%
Tier 1 ratio - above the 10% well-capitalized line
66th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 57614 · MD B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2395/4307
  • PHOTO-FINISH Golden State Bank · CA
  • TIER1-WELL 11.1% Tier 1
  • TEXAS-CLEAN 7.6% Texas
  • ROA-STRONG 1.35% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maryland: Golden State Bank, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Forbright Bank

Lowest and highest poles plus nearest scored peers outside Maryland, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Beverly Bank & Trust… · IL ·…76/100Farmers Bank · CO · near76/100Forbright Bank · MD · this b…76/100Golden State Bank · CA · near76/100Timberline Bank · CO · near76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Forbright Bank · July 2026

Call Report read for Forbright Bank in a high-failure state

Forbright Bank (FDIC Cert #57614) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,395 of 4,307. Tier 1 capital prints at 11.11%, clearing the 10% well-capitalized line. The Texas Ratio is 7.58%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.35%. Balance-sheet scale is $7.9B, 198th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Golden State Bank (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Forbright Bank

10 FAILURE resolutions in Maryland since 2000, heavy vs the state corpus

Forbright Bank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Forbright Bank's current Call Report.

  • SLAVIE FEDERAL SAVINGS BANK BEL AIR, MD 2014 → BAY BANK, FSB
  • NBRS FINANCIAL BANK RISING SUN, MD 2014 → HOWARD BANK
  • BANK OF THE EASTERN SHORE CAMBRIDGE, MD 2012

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maryland banks.

How Forbright Bank's 76/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10076/100
Forbright Bank's composite health score
Tier 1 Capital Ratio (11.11%) 28/40
Return on Assets (ROA) (1.35%) 20/25
Texas Ratio (7.58%) 16/20
Efficiency Ratio (59.56%) 12/15

76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$7.9B

Total balance-sheet footings

Total Deposits

$6.8B

Customer-funded liabilities

Net Loans

$5.6B

Outstanding loan book

Net Income

$101M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.71% 11.11% 12.51%
Basel III capital ratios - Forbright Bank

Where Forbright Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Forbright Bank's score of 76/100 falls in the highlighted band.

Forbright Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 44th percentile higher than 44% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Forbright Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Forbright Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Forbright Bank's $7.9B falls in the highlighted band.

Capital & credit buffers at Forbright Bank

Tier 1 capital ratio
Well-capitalized 10%

11.11% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.11%
Texas Ratio
7.58%
Equity Capital
$923M

What these ratios mean →

Earnings posture at Forbright Bank

Return on Assets (ROA)
66th percentile nationally
1.35%
Return on Equity (ROE)
11.76%
Efficiency Ratio
59.56%

What these mean →

Income & expense at Forbright Bank

$516M
Interest Income
$72M
Non-Interest Income
$205M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Forbright Bank reports a Texas Ratio of 7.58% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.58% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Forbright Bank on FDIC BankFind →

Top banks in Maryland by total assets

Largest banks headquartered in Maryland
  1. 1
    EagleBank $10.4B

    Bethesda, MD · Grade C

  2. 2
    Forbright Bank $7.9B

    Potomac, MD · Grade B

  3. 3
    Shore United Bank $6.3B

    Easton, MD · Grade B

  4. 4
    CFG Bank $5.7B

    Lutherville, MD · Grade B

  5. 5
    Capital Bank $3.5B

    Rockville, MD · Grade B

Top 5 banks in Maryland ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($7.9B here), outside Maryland so the neighborhood is not state containment.

First Mid Bank & Trust $7.9B · IL Burke & Herbert Bank & Trust Company $7.9B · VA Hanmi Bank $7.8B · CA RBC Bank, (Georgia) $8.0B · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Forbright Bank (FDIC Cert #57614) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Forbright Bank Call Report profile · FDIC Failed Bank List · Maryland FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maryland

All Maryland banks →
BankAssetsGradeROA
EagleBankBethesda $10.4B C -1.20%
Shore United Bank, National AssociationEaston $6.3B B 1.08%
CFG BankLutherville $5.7B B 1.43%
Capital Bank, National AssociationRockville $3.5B B 1.51%
First United Bank & TrustOakland $2.1B A 1.27%
Rosedale BankNottingham $1.3B B 0.18%
Middletown Valley BankMiddletown $1.1B B 0.90%
Presidential Bank, FSBBethesda $1.1B C 0.44%