# FORBRIGHT BANK
POTOMAC, MD · FDIC certificate 57614 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $8.48B | |
| Deposits | $7.33B | |
| Loans and leases | $6.10B | |
| Total equity | $1.04B | |
| Loans / deposits | 82.55% (p38 of band) | 87.10% |
| Liquid assets / assets | 24.68% (p63 of band) | |
| Uninsured deposits / deposits | 13.95% (p8 of band) | 30.76% |
| Brokered deposits | 11.13% | |
| Wholesale funding | 11.15% (p69 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.24% (p65 of band) | 10.50% |
| Unrealized securities loss / equity | -0.76% (p90 of band) | -7.75% |
| AOCI / equity | -0.87% (p21 of band) | |
| ROA (annualized) | 0.62% (p11 of band) | 1.26% |
| Net interest margin | 3.21% (p23 of band) | 3.70% |
| Efficiency ratio | 72.38% (p83 of band) | |
| Noncurrent loans | 1.45% (p83 of band) | 0.51% |
| Net charge-offs (annualized) | 0.16% (p83 of band) | |
| Reserve coverage of noncurrent | 62.02% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 31.93% (p32 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $2.04B (197% of equity) (p100 of band) | |
| Deposits YoY | 21.8% | |
| Employees | 548 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | wholesale funding >15% |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | wholesale funding >15%, capital falling |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | charge-offs p90 |  |
| 2013-06 | 2 | reserve under noncurrent | capital falling, charge-offs p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 2 | losing money |  |
| 2014-06 | 0 |  | wholesale funding >15%, losing money |
| 2014-09 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2014-12 | 3 | reserve under noncurrent |  |
| 2015-03 | 0 |  | charge-offs p90, uninsured deposits leaving, reserve under noncurrent |
| 2015-06 | 2 | capital falling, reserve under noncurrent |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | noncurrent p90 |  |
| 2016-12 | 1 |  | noncurrent p90 |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2017-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 3 | capital falling, noncurrent p90 |  |
| 2018-06 | 3 | loans exceed deposits, liquid assets <10% | capital falling, noncurrent p90 |
| 2018-09 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2018-12 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2019-03 | 4 | brokered >10% |  |
| 2019-06 | 3 | noncurrent p90 | loans exceed deposits, liquid assets <10% |
| 2019-09 | 3 |  |  |
| 2019-12 | 5 | expense ratio p90, charge-offs p90 |  |
| 2020-03 | 4 |  | charge-offs p90 |
| 2020-06 | 7 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2020-09 | 5 |  | brokered >10%, expense ratio p90 |
| 2020-12 | 5 |  |  |
| 2021-03 | 7 | liquid assets <10%, charge-offs p90 |  |
| 2021-06 | 4 | loans-to-lenders >50% equity | wholesale funding >15%, capital falling, liquid assets <10%, charge-offs p90 |
| 2021-09 | 7 | brokered >10%, wholesale funding >15%, liquid assets <10%, charge-offs p90 | noncurrent p90 |
| 2021-12 | 4 | capital falling | reserve under noncurrent, loans exceed deposits, wholesale funding >15%, liquid assets <10% |
| 2022-03 | 4 |  |  |
| 2022-06 | 5 | wholesale funding >15%, reserve under noncurrent | charge-offs p90 |
| 2022-09 | 6 | charge-offs p90, uninsured deposits leaving | reserve under noncurrent |
| 2022-12 | 6 | reserve under noncurrent | capital falling |
| 2023-03 | 5 |  | reserve under noncurrent |
| 2023-06 | 6 | noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2023-09 | 6 |  |  |
| 2023-12 | 6 |  |  |
| 2024-03 | 7 | capital falling |  |
| 2024-06 | 6 |  | capital falling |
| 2024-09 | 6 |  |  |
| 2024-12 | 5 |  | noncurrent p90 |
| 2025-03 | 5 | noncurrent p90 | charge-offs p90 |
| 2025-06 | 4 |  | noncurrent p90 |
| 2025-09 | 2 |  | wholesale funding >15%, reserve under noncurrent |
| 2025-12 | 3 | reserve under noncurrent |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-21 [Virginia lender to acquire Forbright’s DC-area branches - Banking Dive](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQTDNtRVVSU1JkY3gybkZXd3FtSURtWkZiMWZNQ0d3Sy1mRHpvUzhCZlBIZ1B6MF9sdmtmOW9zYzNRX25XNG5ycFBUOTNYVUgyR2hRa1lJTlhEVHo3ZWZ6Z0pycjh3RjlBYThROWpNTHdKeC05VWJCX1NzRGtpZlRlMFQwUkNUQlhRWGZDZEc1VmVvOHFobC1QOXFFUWo0ZFlsRXpNRGlVeFJ4aEI1UEhzUThESERGV3VnUFNjOU51QU1fOFMzd2ZFNDVzYzJraWROUGJGZ0xUSQ?oc=5) · Banking Dive
- 2026-08-21 [Trustar Bank Announces $750 Million Branch Acquisition from Forbright Bank - Business Wire](https://news.google.com/rss/articles/CBMizgFBVV95cUxQekFTcmNGXzRTRFk1X1E5Q0g2SEwtTGNHNGhRdUV0UzNUVXhsbEZRWDFsZVM5Sm1SWE5TSFdqRDNjNlNqUVVsbWRTek1CREk1OTFXN09Tbk95dWl4V1pvM0l1WHN4ZnBLNlYwbElHWkZtcG9QUHMxYUwya0o0STN1MENDMXdjOU14d2ZyY0tlcTlEdHdHLW4xYUg2bzRzbXZFM3Mxd3FWcTJ1Ylh1bS05LWJBcFptaEU2LTJrbU4tMU5pTEpyMGFSbmwtME91dw?oc=5) · Business Wire
- 2026-04-30 [Democrat-founded firm banks several GOP campaigns - Punchbowl News](https://news.google.com/rss/articles/CBMiakFVX3lxTE8zaU5wc3gwREpkYl9EMFZIVUc3WnZCUDZvOXZneGR5UG1FSmdhc09PZHRZOG1saTZDR1hMUkg0V05NdzFYQk1LLXlJLWMzSWxvbGUxU1pxNHB0MWJ1d2NjLVRpYXpGS3JuRWc?oc=5) · Punchbowl News
- 2026-08-21 [Trustar Bank to Acquire $750 Million in Deposits From Forbright Bank - citybiz](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNQS1iTnNGcnl4M0h1VEtwTENCM0QzQmpRQXBJVTRSQThlMFhVSEJ0TzNsejhwWkJqQk0zeU93WmdZdE5rVmVvbWpVVldrdVF0bTBaMjZfMGVNVGdadmpld3lFZUFETVV2eHJWOWpsX2ZMT0VTdzdSSkpsMm15VUdtS2k2QllsWjVyU0pWczZBVVNYRDZMcHh3a1BCcWdYRUwtbnBpV1MwT1ZOdw?oc=5) · citybiz
- 2026-08-21 [Forbright Bank to sell D.C.-area branches to Trustar Bank - Investing.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxNaGFkdmZVdDZHeU1JUHlELV9WQkpITEU4VXVrR1ZVaHFxRG1HazdJZGxmOUtvRnFwemVkTXNHd3ZSaXd1QkFSU08ycFltZHpTNWt4Q2dQWElsaVlhS2RSeEQzWV9zNG1Za1pJTDEzQlRoUHlTdy1CMmNqUGEtSklfMjJ1ZVdGSTlHczZwVHRkbHBDMkg4amdRZ1JOcFZoSlVkUXc0YmZYWXNHWXNsQmM0Rw?oc=5) · Investing.com
- 2026-08-13 [Forbright Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE1KYVY5SkxxTVlzSWhWcVNnLTNPWGpYVEZ4dk9tWEZwMWhIMkpVZS0yUzZuT1RZbUZ2NDVVcU5vX0d6S3RvS2ZiU1lDQXNaclNnbkpieGV6bWp4RHNWdW8wakl2NHhGNkVNa1B1RDFwYw?oc=5) · reveliolabs.com
- 2026-09-02 [Forbright Bank Revenue 2025: $149.4M ARR - GetLatka](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1obEJsV0d6UW5yM0I5T3liNmpQRFhYRjJLbkI1WDRTMy1yLXVTTDRUZG9HZHBIb2dpekNCUkpSd29GRzZuQWhMTGNXRzZRZU9sZzEyNlhOUkx5ODlX?oc=5) · GetLatka
- 2026-08-26 [Trustar Bank To Acquire $750 Million In Deposits And Maryland Branches From Forbright For $19 Million Premium - Pulse 2.0](https://news.google.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?oc=5) · Pulse 2.0

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57614 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "57614", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide