Founders Bank: how it compares with its peers
Against 1000 U.S. banks with half to twice its assets, Founders Bank's strongest measure in Q2 2026 is assets per employee ($9.2M vs. a $6.8M peer median). Its weakest relative measure is efficiency ratio (81.11% vs. 61.29%).
| Measure | Founders Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.54% | 1.29% | Bottom third Ahead of 13% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.05% | 3.91% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 81.11% | 61.29% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.2M | $6.8M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.58% | 80.16% | Context |
What it means for lending operations
Its efficiency ratio of 81.11% is above the 61.29% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of the Bluegrass and Trust Company Lexington, KY · $407M
- Highlands Bank Petersburg, WV · $407M
- Southern Bank Spartanburg, SC · $408M
- Winter Hill Bank, FSB Somerville, MA · $408M
- Pike National Bank Mccomb, MS · $409M
- HomeBank Texas Seagoville, TX · $403M
Questions about Founders Bank
How big is Founders Bank?
Founders Bank, established in 2020, is headquartered in Washington, DC. It reported $406M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Founders Bank's return on assets?
0.54% annualized in Q2 2026, against a 1.29% median for 1000 U.S. banks with half to twice its assets, ahead of 13% of them.
What is Founders Bank's efficiency ratio?
81.11% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 61.29%, and lower is better.
Is Founders Bank growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits grew 9.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every District of Columbia bank ranked.