Founders Bank

Washington, District Of ColumbiaFDIC Cert #59193

STATEEstablished 20201 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$23.9M
Investor CRE	$135M
Multifamily	$19.4M
Construction	$62.3M
1–4 family	$67.5M
C&I	$10.3M
Agriculture	$0
Other	$765K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$320M

+4.6%y/y

Percentile by value45th percentileby value

FDICLNLSGR

Net loans

$317M

+4.7%y/y

Percentile by value45th percentileby value

FDICLNLSNET

Loans YoY

+4.66%

−84.5%y/y

Percentile by value43rd percentileby value

FDICLNLSNET

L/D

101.5%

−0.4%y/y

Percentile by value92nd percentileby value

FDICLNLSNET + DEP

Loans/assets

82.9%

−0.2%y/y

Percentile by value91st percentileby value

FDICLNLSNET + ASSET

RE loans %

101.53%

−0.5%y/y

Percentile by value94th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,750points

+2.7%y/y

Peer standing24th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

7.46%

+5.7%y/y

Percentile by value27th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

42.38%

+5.4%y/y

Percentile by value98th percentileby value

FDICLNRENROT + LNLSGR

C&I %

3.24%

−11.2%y/y

Percentile by value12th percentileby value

FDICLNCI + LNLSGR