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.
FDIC Call Report plate
Cert 59193 · DC B · 73/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL
- GRADE-B B (73/100)
- MID-PACK #2792/4307
- PHOTO-FINISH Moultrie Bank & Trust · GA
- TIER1-WELL 14.2% Tier 1
- TEXAS-CLEAN 0.0% Texas
- ROA-THIN 0.55% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside District Of Columbia: Moultrie Bank & Trust, GA (±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 Founders Bank
Lowest and highest poles plus nearest scored peers outside District Of Columbia, not a full FDIC corpus board reprint.
Plate reading for Founders Bank where failures stay rare
Founders Bank (FDIC Cert #59193) carries a PlainBankData health grade of B at 73/100, 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 #2,792 of 4,307. Tier 1 capital prints at 14.15%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.55%. Balance-sheet scale is $357M, 2,251st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Moultrie Bank & Trust (GA), 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 Founders Bank
Zero FAILURE resolutions in District Of Columbia since 2000
Founders Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.
- CITY NATIONAL BANK OF WASHINGTON WASHINGTON, DC 1993 → CRESTAR BANK NATIONAL AS
- METROPOLITAN BANK, N.A. WASHINGTON, DC 1992 → ADAMS NATIONAL BANK
- THEODORE ROOSEVELT NATIONAL BANK WASHINGTON, DC 1992 → INDUSTRIAL BANK OF WA
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and District Of Columbia banks.
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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
73 35th percentile higher than 35% of 4,307 FDIC-insured banks
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
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: Founders Bank
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: Founders Bank
Return on Assets (ROA)
18th percentile nationally
0.55%
Return on Equity (ROE)
3.87%
Efficiency Ratio
77.84%
Income & expense at Founders Bank
$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
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($357M here), outside District Of Columbia so the neighborhood is not state containment.
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.
Founders Bank Call Report profile · FDIC Failed Bank List · District Of Columbia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
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% |