Total Assets
$7.9B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$6.8B
Customer-funded liabilities
Net Loans
$5.6B
Outstanding loan book
Net Income
$101M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.35%
Return on Equity (ROE)
11.76%
Efficiency Ratio
59.56%
What the numbers say about Forbright Bank
Forbright Bank is an FDIC-insured institution (Certificate #57614) headquartered in Potomac, Maryland, established in 2003. It holds $7.9B in total assets - 198th of 4,313 FDIC-insured banks, $6.8B in customer deposits, and $5.6B in net loans. On safety, its Tier 1 capital ratio of 11.11% is above the 10% well-capitalized threshold, and its Texas Ratio of 7.58% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (76/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Forbright Bank's asset base places it among the largest FDIC-insured institutions in the country, 198th of 4,313 nationally, and 2nd of 28 banks headquartered in Maryland. Only EagleBank ($10.4B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$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.
Top banks in Maryland by total assets
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.
Other banks in Maryland
All Maryland banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Forbright Bank's health grade?▼
Forbright Bank receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Forbright Bank?▼
Forbright Bank holds $7.9B in total assets and $6.8B in deposits, ranking 198th of 4,313 FDIC-insured banks by asset size. It is headquartered in Potomac, Maryland.
Is my money safe at Forbright Bank?▼
Yes, deposits at Forbright Bank (Certificate #57614) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Forbright Bank's Tier 1 Capital Ratio?▼
Forbright Bank has a Tier 1 Capital Ratio of 11.11%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Forbright Bank?▼
Forbright Bank has a Texas Ratio of 7.58%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Forbright Bank?▼
Forbright Bank has an Efficiency Ratio of 59.56%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Forbright Bank's profile as a depositor or analyst.
- Forbright Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Forbright Bank against other Maryland banks before moving funds. Maryland banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.