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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Maryland, the state note

Forbright Bank

Potomac, Maryland · $8.48B in assets · beside the 11 other the Mid-Atlantic banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

+25.6%
Loans, year over year
2nd of 12, largest first
72.9%
Efficiency
10th of 11
0.62%
ROA
9th of 11

Forbright Bank is the fifth largest of the 12 the Mid-Atlantic banks nearest its size between $3B and $10B, with $8.48B in assets at 30 June 2026. Loans are 83.3% of deposits, 4th of 12 against a median of 91.3%, and equity is 12.2% of assets, 3rd of 11. Loans grew +25.6% in the year, 2nd of 12, and deposits grew 21.8%; the cohort's median loan growth is +5.7%.

Noncurrent loans are 1.45% of the book, 8th of 12 against a median of 0.99%; 0.08% is 30 to 89 days past due, and the allowance covers them 0.6 times. Net charge-offs are 0.22% of loans, 6th of 11. Commercial real estate is 22.2% of loans, 4th of 12 against a median of 39.4%, and 149% of capital, below the 300% screen, with construction at 36% against the 100% screen. CRE has grown +66.6% over 36 months, past the guidance's 50% prong.

Return on assets is 0.62%, 9th of 11 against a median of 1.18%, on an efficiency ratio of 72.9%, 10th of 11. Five years ago it was 1.34%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

The efficiency ratioMid-Atlantic banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 60.2% AB Amalgamated Bank 47.7% CB Comenity Bank 49.8% MC Metropolitan Commercial Bank 52.2% TC Tompkins Community Bank 53.1% CB CNB Bank 57.5% UB Univest Bank & Trust Co. 60.2% PP Peapack Private Bank & Trust 64.2% RS Ridgewood Savings Bank 67.3% KB Kearny Bank 71.9% FB Forbright Bank 72.9% CR Cross River Bank 83.0%
Loans, year over yearMid-Atlantic banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +5.7% CB CNB Bank +37.8% FB Forbright Bank +25.6% PP Peapack Private Bank & Trust +14.7% MC Metropolitan Commercial Bank +10.8% AB Amalgamated Bank +9.2% TC Tompkins Community Bank +6.9% CR Cross River Bank +4.5% UB Univest Bank & Trust Co. +3.5% KB Kearny Bank +1.1% RS Ridgewood Savings Bank +1.0% CB Comenity Bank -1.4% Bo Bank of India -18.6%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers, Forbright Bank among them; owner-occupied excluded; bold marks a screen met
Forbright BankRankCohort median
Total CRE against capital, the 300% screen149%3rd of 11264%
Construction against capital, the 100% screen36%6th of 1136%
Construction and land development, share of loans5.4%9th of 123.9%
Non-owner-occupied nonfarm nonresidential, share of loans13.1%5th of 1115.7%
Total CRE, the guidance definition, share of loans22.2%4th of 1239.4%
CRE growth over 36 months, the third prong+66.6%10th of 10+17.1%
Commercial real estate against capital, the 300% screenMid-Atlantic banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 264% CB Comenity Bank 0% CR Cross River Bank 82% FB Forbright Bank 149% AB Amalgamated Bank 235% RS Ridgewood Savings Bank 246% UB Univest Bank & Trust Co. 264% CB CNB Bank 269% MC Metropolitan Commercial Bank 304% TC Tompkins Community Bank 323% PP Peapack Private Bank & Trust 406% KB Kearny Bank 514%
CRE growth over 36 months, the guidance's third prongMid-Atlantic banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +17.1% CR Cross River Bank -34.1% KB Kearny Bank -4.2% UB Univest Bank & Trust Co. +5.1% PP Peapack Private Bank & Trust +6.9% RS Ridgewood Savings Bank +10.4% MC Metropolitan Commercial Bank +23.8% TC Tompkins Community Bank +32.0% CB CNB Bank +46.3% AB Amalgamated Bank +59.3% FB Forbright Bank +66.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Amalgamated Bank$9.41B1.3%47.7%1.99%0.25%1.3%60.7%9.2%
Metropolitan Commercial Bank$8.86B1.2%52.2%0.91%1.27%0.8%94.3%10.9%
Tompkins Community Bank$8.79B1.4%53.1%0.80%0.07%0.9%92.1%9.3%
Cross River Bank$8.53B0.1%83.0%2.79%2.69%1.4%89.0%12.1%
Forbright Bank$8.48B0.6%72.9%1.45%0.22%0.9%83.3%12.2%
CNB Bank$8.41B1.4%57.5%0.84%0.05%1.0%90.6%10.9%
Univest Bank & Trust Co.$8.17B1.3%60.2%0.62%0.09%1.3%100.2%11.3%
Peapack Private Bank & Trust$7.96B0.8%64.2%1.07%0.52%1.0%94.5%8.8%
Kearny Bank$7.67B0.5%71.9%0.81%0.02%0.8%102.5%9.4%
Ridgewood Savings Bank$7.55B0.7%67.3%1.85%0.18%0.7%81.1%12.8%
Bank of India$7.42Bno recordno record0.00%no recordno record67.9%no record
Comenity Bank$7.37B4.9%49.8%3.24%6.54%11.6%157.7%13.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Forbright BankCohort median
20212026Change20212026Change
Loans$1.94B$6.10B+214%$3.69B$6.21B+68%
Deposits$1.73B$7.33B+323%$4.77B$7.05B+48%
NPA / loans1.96%1.45%-0.52 pts0.85%0.99%+0.14 pts
Efficiency59.1%72.9%+13.8 pts57.8%60.2%+2.5 pts
ROA1.34%0.62%-0.72 pts1.15%1.18%+0.03 pts

This read was prepared for Forbright Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Forbright Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mid-Atlantic banks $3B to $10B
Institution WWW.FORBRIGHTBANK.COM

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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