# FOUNDERS BANK
WASHINGTON, DC · FDIC certificate 59193 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $406.0M | |
| Deposits | $334.7M | |
| Loans and leases | $336.0M | |
| Total equity | $54.6M | |
| Loans / deposits | 99.58% (p88 of band) | 82.04% |
| Liquid assets / assets | 14.31% (p15 of band) | |
| Uninsured deposits / deposits | 33.95% (p76 of band) | 25.97% |
| Brokered deposits | 14.75% | |
| Wholesale funding | 17.22% (p91 of band) | |
| FHLB advances / assets | 2.46% | |
| Tier 1 leverage | 14.18% (p86 of band) | 10.81% |
| Unrealized securities loss / equity | -3.00% (p73 of band) | -8.10% |
| AOCI / equity | -0.57% (p38 of band) | |
| ROA (annualized) | 0.54% (p12 of band) | 1.28% |
| Net interest margin | 4.05% (p58 of band) | 3.91% |
| Efficiency ratio | 81.11% (p90 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 97% | |
| Construction % of loans | 123.08% (p93 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.7% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2020-03 | 2 | losing money, NIM <2.5% |  |
| 2020-06 | 3 | expense ratio p90 |  |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | uninsured deposits >50% |  |
| 2022-03 | 4 |  | NIM <2.5% |
| 2022-06 | 4 | loans exceed deposits | uninsured deposits >50% |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 4 | wholesale funding >15% |  |
| 2023-03 | 3 | capital falling | losing money, expense ratio p90 |
| 2023-06 | 4 | brokered >10% |  |
| 2023-09 | 5 | construction >100% equity |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 | expense ratio p90 | loans exceed deposits, capital falling |
| 2024-06 | 3 | loans exceed deposits | wholesale funding >15%, brokered >10% |
| 2024-09 | 4 | capital falling |  |
| 2024-12 | 4 | brokered >10% | expense ratio p90 |
| 2025-03 | 5 | wholesale funding >15% |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 2 |  | loans exceed deposits, capital falling, wholesale funding >15% |
| 2025-12 | 3 | loans exceed deposits |  |
| 2026-03 | 2 |  | brokered >10% |
| 2026-06 | 3 | brokered >10%, wholesale funding >15% | loans exceed deposits |

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

- 2026-04-26 [The Face of Business Banking - Arlington Magazine](https://news.google.com/rss/articles/CBMifkFVX3lxTE5JRGxKTDNGcUxqczFPVkQ0NFRUNzF2SzJKT3JDSGZGRGk2Q21wcDh0amR2UkZrX0dGeHBCYnBORkhQNV9STWVfWW1HQXZ0dTZMQVZDWjc0a3NUbFNDOUhjMHVsUEh2NjFhcjlvZVVaVUI1Ym5SMVJxZE9YbEdiQQ?oc=5) · Arlington Magazine
- 2025-11-21 [Trio of alumni from Gonzaga honored at Catholic Business Network D.C. Gala - cathstan.org](https://news.google.com/rss/articles/CBMipwFBVV95cUxPV0xBQ3ZZWFZhb20wWEFxakc5OS1XSGRrUGF2bTBhZ185X2o0Yjlrek1seGlLZXphbkZMZ3NOakhpRS12YUx3SVJVTkNtRl9ILWNZTVE4V1FxeFR1ZzRpenc1cDFGeTBaVTFLUTBpSDFkc0lvS1NmeWJ6dERqVi1WX3VjcUowUlJXaGFqTlpLNnhoLUx5d1N3VUNESnlhNFNzcFVSY3lpaw?oc=5) · cathstan.org
- 2024-05-28 [D.C. community bank opens first office in Northern Virginia - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOTi1MMUNqeHVvbzRjellPRkFsUERlQklfRkRGQWRMYVUwSFpIbGJMR3VWa19KUDhfZlAzbmROTXpKWWpXV1dLSGZ6UDdmZmNuMTd2ZU4zaXZLWGhHQ1V6dWMzMHQtUllIOXZ1OVowZURFZXF0aWVFSmtQRUNDcFhTWnpTcnRkMGIydG04TjdtT3dpQzdpTU9jclJBYVEwendGSms3RUI1MHMwN0k?oc=5) · The Business Journals
- 2020-01-13 [Founders Bank’s conditional FDIC approval kicks off 2020 de novo activity - Banking Dive](https://news.google.com/rss/articles/CBMilwFBVV95cUxOLWJyNGdXODRJbEJRM0tRdHlrckt5Q2dpTVEwUS1nYVJBZWdkMHRIQmkxWUI5ZGVBNzFZY2NxS2w0N3o2RG5hNmFQX1lUUkYxd0lraHlGUXA0NEdwMjBJUnhOTWhsaEdtQndZcjY0UWR3RjYwYVVnZVdiUjlVWmE4SFJCaTVhWmxYZ29SeTFrZTJ3aDg3RHhZ?oc=5) · Banking Dive
- 2019-06-10 [Former Bank of Georgetown execs plan new bank in Washington - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxQeG1qU1N4ZzdrZXN3TVVBMjVEU2RWYUN0aXB6NUxuTHowdnAtRWtBa3A2cmlfUmdPWDhkMDJRbERJV3BXRTBKdUZQWlVra1dGeTVzMDVCNUZaNHh6M0l1RXRWZXJ0UTRldk81Zm5jZHlmV2M5S0lnQm1QT1JmU1VJbEp0RVlzNC1KUmtDcFJjZENTNlRRdUpZWUxMNA?oc=5) · American Banker
- 2021-07-30 [Newcomer Founders Bank eyes expansion to Alexandria - ALXnow](https://news.google.com/rss/articles/CBMijwFBVV95cUxNNWhnRnFkQVNJdkl5VWo2UnpfXzg0cVN2Z0JfUFZadG0xX2FSUy1FT3NLcnpnNnNKd2F5V0hLanV5ekFRNmNLeTBVMG5wWVVubUczTldHUHYwbzNlamthdHVyLUZKWk55WUpNWFhqNTlYdXNoejZqYWstOTBkang4SDdrY1RhY3FfVDh2UDVFcw?oc=5) · ALXnow
- 2020-03-26 [DC’s first de novo in more than a decade set to open April 13 - Banking Dive](https://news.google.com/rss/articles/CBMijgFBVV95cUxPWFpPczk3SDNkZ3FaUkRzSEpwaHVfbTM1REdJekI4SUljX1BBcUpZdnRHTHIwT1Rra0pyUDQwZzVIWnp0Vnp0S3ZDc01Tc0ppd2stMm1GWHg2Q1pReGxyTUdOcVVERE1tMGpwcmV5Z05kcUg3M1JqRWtoQUNzb2FKUTlHSFNNTmlnRnR0aXZR?oc=5) · Banking Dive
- 2020-04-22 [Business Ins & Outs: Founders Bank Opens, Qatar buys Hollerith House & More - The Georgetowner](https://news.google.com/rss/articles/CBMitgFBVV95cUxOLU9yTmlmRmtlNHFxSk1lMHpxb2doc25MUFh0SmhfcFNlc2JEbWRna1JJT2k4V3NLQnpOWWdJLVh0Rm9ZVmVyeFFHcmV1dlZSSm8yYXZvcm5Yb0FsRTNDLXI4RXk3Z0M3RVNicElLYjF1cXRNSzRhLWYtRVVRYzUwT2xsVlh5T3BhNXptcjVVOW5QYTN2NnpQd3lfRDF2NTE0QnFwSjFZd0ZuRUdDeE8zZGUzUFFoQQ?oc=5) · The Georgetowner

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59193 (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/57.json (key "59193", 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