Total Assets
$357M
Total balance-sheet footings
FDIC Cert #59193 · Washington, District Of Columbia · Est. 2020
Founders Bank - FDIC Bank Health Profile
A community-scale look at Founders Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $357M
- Total assets
- B
- Health grade · Good
- 0.55%
- Return on assets
- 14.2%
- Tier 1 capital
Data updated July 2026
The verdict
Founders Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 14.15% Tier 1, 0.55% ROA, 78% efficiency ratio.
- #2,251
- largest of 4,313 FDIC banks by assets
- 48th
- percentile by asset size, nationally
- 14.15%
- Tier 1 ratio - above the 10% well-capitalized line
- 18th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Founders Bank's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Founders Bank's composite health score
Tier 1 Capital Ratio (14.15%) 35/40
Return on Assets (ROA) (0.55%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (77.84%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$293M
Customer-funded liabilities
Net Loans
$303M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Founders Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Founders Bank's score of 73/100 falls in the highlighted band.
Founders 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). Founders Bank's $357M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.15% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.15%
Texas Ratio
0.00%
Equity Capital
$54M
Profitability metrics
Return on Assets (ROA)
18th percentile nationally
0.55%
Return on Equity (ROE)
3.87%
Efficiency Ratio
77.84%
What the numbers say about Founders Bank
Founders Bank is an FDIC-insured institution (Certificate #59193) headquartered in Washington, District Of Columbia, established in 2020. It holds $357M in total assets - 2,251st of 4,313 FDIC-insured banks, $293M in customer deposits, and $303M in net loans. On safety, its Tier 1 capital ratio of 14.15% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (73/100), 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.
Within District Of Columbia, Founders Bank ranks 4th of 4 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$21M
Interest Income
$396K
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Founders Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in District Of Columbia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Founders Bank (FDIC Cert #59193) - 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 District Of Columbia
All District Of Columbia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City First Bank, National AssociationWashington | $1.3B | C | -1.85% |
| Industrial BankWashington | $773M | C | -0.09% |
| The National Capital Bank of WashingtonWashington | $763M | A | 1.05% |
Frequently asked questions
What is Founders Bank's health grade?▼
Founders Bank receives a health grade of B (73/100) 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 Founders Bank?▼
Founders Bank holds $357M in total assets and $293M in deposits, ranking 2,251st of 4,313 FDIC-insured banks by asset size. It is headquartered in Washington, District Of Columbia.
Is my money safe at Founders Bank?▼
Yes, deposits at Founders Bank (Certificate #59193) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Founders Bank's Tier 1 Capital Ratio?▼
Founders Bank has a Tier 1 Capital Ratio of 14.15%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Founders Bank?▼
Founders Bank has a Texas Ratio of 0.00%. 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 Founders Bank?▼
Founders Bank has an Efficiency Ratio of 77.84%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Founders Bank's profile as a depositor or analyst.
- Founders Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Founders Bank against other District Of Columbia banks before moving funds. District Of Columbia 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.