TellerScore

Founders Bank is a state-chartered bank headquartered in Washington, District of Columbia, in business for about 6 years. At the end of Q2 2026 it reported $406.0M in total assets and $334.7M in deposits, with 1 office.

Founders Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 4 banks headquartered in District of Columbia, it ranks 1st. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (40/100, 100% loans-to-deposits, 34% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Tier 1 leverage ratio: 14.18%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings42/100
Return on assets (annualized): 0.54%
Funding & liquidity40/100
Loans ÷ deposits and uninsured-deposit share: 99.6% · 33.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (74 → 77), mostly because the earnings component improved by 10 points.

TellerScore
747984Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202482
Q4 202480
Q1 202575
Q2 202574
Q3 202576
Q4 202576
Q1 202677
Q2 202677
Tier 1 leverage ratio
5.00%10.60%16.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.21%
Q3 202415.35%
Q4 202415.01%
Q1 202514.67%
Q2 202514.05%
Q3 202514.05%
Q4 202514.15%
Q1 202614.61%
Q2 202614.18%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.14%0.65%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.16%
Q3 20240.84%
Q4 20240.70%
Q1 20250.14%
Q2 20250.30%
Q3 20250.39%
Q4 20250.55%
Q1 20260.50%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$406.0M14.18%0.00%0.54%99.6%
Q1 202677$382.4M14.61%0.00%0.50%101.5%
Q4 202576$357.4M14.15%0.00%0.55%103.6%
Q3 202576$384.4M14.05%0.00%0.39%97.1%
Q2 202574$373.5M14.05%0.00%0.30%103.0%
Q1 202575$364.5M14.67%0.00%0.14%102.0%
Q4 202480$338.7M15.01%0.00%0.70%102.2%
Q3 202482$331.7M15.35%0.00%0.84%101.6%
Q2 202484$315.6M16.21%0.00%1.16%102.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.18%
82nd
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets0.54%
13th
Net interest margin4.05%
56th
Efficiency ratio81.1%
12th
Loans to deposits99.6%
11th
Uninsured deposits33.9%
19th
Loan-loss reserves0.81%
11th
Texas ratio0.0%
95th

Similar-size banks in District of Columbia

InstitutionScoreAssetsCapitalProblem loansCompare
The National Capital Bank of WashingtonBank Washington, DC55 out of 100, Moderate$742.2M11.7%2.32%vs
Industrial BankBank Washington, DC52 out of 100, Below average$774.2M15.2%6.56%vs

Deposit insurance

Is my money safe at Founders Bank?

Yes. Founders Bank is an FDIC-insured institution (FDIC certificate #59193). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.9% of deposits ($113.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.18%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Founders Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Founders Bank
Type
State-chartered bank
FDIC certificate #
59193
RSSD ID
5398355
Primary regulator
FDIC
Established
March 30, 2020
Headquarters
5225 Wisconsin Ave Nw, Washington, DC 20015
Employees
44

Quick answers

Founders Bank: common questions

Is Founders Bank FDIC insured?

Yes. Founders Bank is an FDIC-insured institution (FDIC certificate #59193). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Founders Bank's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Founders Bank ever failed?

There is no failure record for FDIC certificate #59193 in the FDIC failed bank list.

How many branches does Founders Bank have?

1 office as of the latest FDIC data.

Nearby

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