Forbright Bank
Potomac, Maryland, Montgomery County
$8.5B in total assets, the 196th largest of 4,309 US banks and 2nd of 27 headquartered in Maryland.
- FDIC certificate
- 57614
- Established
- 2003
- Owned by
- Forbright Inc
- Primary regulator
- FDIC
- Website
- WWW.FORBRIGHTBANK.COM
At a glance
Compared with 9 banks headquartered in Maryland with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $8.5B | 89% | $2.1B | |
| Loans | $6.1B | 89% | $1.6B | |
| Deposits | $7.3B | 89% | $1.7B | |
| Return on assets | 1.19% | 44% | 1.20% | |
| Net interest margin | 3.21% | 22% | 3.78% | |
| Efficiency ratio | 72.4% | 78% | 61.0% | |
| Equity to assets | 12.21% | 78% | 10.63% | |
| Loans to deposits | 83% | 33% | 88% |
Growth
Total assets grew 28.0% a year over the last 5 years and 26.8% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2016 | American Bank Rockville, MD | $319M |
Where they operate
4 branches in 1 county.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Montgomery County, MD | $7.3B | 13.7% | 1 of 29 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (5 to 4, −20.0%). 2 opened, 5 acquired, 8 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 5 | |||
| 2016 | Acquired American BankClosed 4 in 2 states | 5 | 4 | +1 | 6 |
| 2022 | Closed Washington | 0 | 1 | −1 | 5 |
| 2024 | Closed Bethesda | 0 | 1 | −1 | 4 |
| 2025 | Closed Herndon | 0 | 1 | −1 | 3 |
| 2026 through Q2 | Opened Chevy Chase and North BethesdaClosed Rockville | 2 | 1 | +1 | 4 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 37% | 40% | |
| Business (C&I) | 16% | 13% | |
| Construction and land | 5% | 8% | |
| Multifamily | 4% | 6% | |
| Consumer | 3% | 2% | |
| 1-4 family residential | 1% | 29% | |
| Other | 34% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 77% | 53% | |
| Time deposits | 17% | 27% | |
| Noninterest-bearing | 6% | 20% |
Brokered deposits are 12.9% of deposits (peers 8.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.46% | 1.32% |
| Net charge-offs, annualized | 0.23% | 0.04% |
| Reserves to loans | 0.90% | 1.20% |
| Leverage ratio | 11.24% | 11.29% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Maryland
Largest competitors in Montgomery County, MD
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/forbright