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Forbright, Inc. reported second-quarter 2026 net income of $4.1 million, or $0.09 diluted EPS, down from $11.6 million, or $0.27 diluted EPS, in the prior quarter. Results reflect a $5.6 million write-down of deferred tax assets tied to new public-company compensation tax rules and additional IPO-related expenses, which raised the effective tax rate to 69.0%.
Net interest income increased to $63.1 million from $59.6 million, and net interest margin improved to 3.19% from 3.10%, helped by loan growth and a lower cost of funds. Non-interest income rose to $21.8 million, driven mainly by solar servicing fees, FHA/HUD activity and rental income from the recently acquired headquarters building, while non-interest expenses climbed to $65.8 million due to retention compensation, solar servicing pass-through costs, building ownership and IPO costs.
Total assets grew to $8.5 billion as loans reached $6.1 billion and deposits $7.3 billion, with strong digital deposit growth. Credit quality remained solid, with annualized net charge-offs at 0.20% and non-performing assets at $92.9 million, or 1.09% of assets. Following the IPO, stockholders’ equity increased to $967.2 million and the Common Equity Tier 1 ratio improved to 12.97%, providing capacity to support further balance sheet growth.
FISH JASON M reported acquisition or exercise transactions in this Form 4 filing.
Forbright, Inc. director Jason M. Fish received an award of 205 fully vested deferred restricted stock units (DRSUs) of Class A common stock on 2026-07-16 at $18.68 per unit, granted in lieu of his quarterly cash retainer. Each DRSU is a contingent right to receive one share of Class A common stock, settling after his board service ends, and brings his directly held DRSUs to 6,376. The report also lists indirect holdings of 1,324,561 Class A shares through FBF Partners, L.P. and 212,436 shares through Sebastes Capital, LLC, over which he has sole voting and dispositive power while disclaiming beneficial ownership except for his pecuniary interest.
Shafran Steven M reported acquisition or exercise transactions in this Form 4 filing.
Forbright, Inc. director Steven M. Shafran received a grant of 235 fully vested deferred restricted stock units of Class A common stock on July 16, 2026. The DRSUs were granted in lieu of his quarterly cash retainer and will settle in shares after his board service ends. Following this award, he directly holds 6,441 shares.
Flanders Cynthia reported acquisition or exercise transactions in this Form 4 filing.
Forbright, Inc. director Cynthia Flanders received a grant of 220 fully vested deferred restricted stock units in lieu of her quarterly cash retainer fee. Each DRSU represents a contingent right to one share of Class A common stock, settling after her board service ends and bringing her direct holdings to 20,241 shares.
Forbright, Inc. director Steven M. Shafran received 6,171 restricted stock units (RSUs) of Class A common stock as a compensation award. The grant was made at no cash cost per share and increases his direct holdings to 6,206 shares.
The RSUs will vest in full on the date of Forbright’s 2027 annual meeting of stockholders, as long as Shafran continues serving on the board through that date. Each RSU converts into one share of Class A common stock upon vesting, aligning his compensation with future company performance.
Kohn Donald reported acquisition or exercise transactions in this Form 4 filing.
Forbright, Inc. director Donald Kohn reported receiving a grant of 6,171 shares of Class A common stock in the form of restricted stock units. These RSUs were awarded at no cash cost and will vest in full at the company’s 2027 annual stockholders’ meeting, assuming he remains on the board.
Jones Christopher Travis reported acquisition or exercise transactions in this Form 4 filing.
Forbright, Inc. director Christopher Travis Jones reported an equity award and existing indirect holdings in Class A common stock. He received a grant of 6,171 restricted stock units under the 2026 Omnibus Incentive Plan at a price of $0.00 per unit, each representing one share of Class A common stock.
The RSUs vest in full on the date of Forbright’s 2027 annual meeting of stockholders, conditioned on his continued board service through that date. The filing also lists indirect holdings held for his benefit or family through the Christopher T. Jones Revocable Trust, the Patricia B. Jones Revocable Trust, and a Pacific Premier Trust SEP IRA, for which he disclaims beneficial ownership except to the extent of his pecuniary interest.
Forbright, Inc. director Cynthia Flanders received a grant of 6,171 shares of Class A common stock in the form of restricted stock units under the company’s 2026 Omnibus Incentive Plan. The RSUs vest in full at the 2027 annual stockholders’ meeting, contingent on her continued board service.
Each RSU converts into one share of Class A common stock upon vesting. Following this award, Flanders holds a total of 20,021 shares of Class A common stock directly, reflecting a routine, compensation-related equity grant rather than an open-market purchase.
FISH JASON M reported acquisition or exercise transactions in this Form 4 filing.
Forbright, Inc. director Jason M. Fish received a grant of 6,171 restricted stock units of Class A common stock. These RSUs vest in full at the company’s 2027 annual stockholders’ meeting, assuming he continues to serve on the board. He also reports indirect holdings through FBF Partners, L.P. and Sebastes Capital, LLC.
Eberhardt Nancy K reported acquisition or exercise transactions in this Form 4 filing.
Forbright, Inc. director Nancy K. Eberhardt reported an equity compensation grant and updated her holdings in Class A common stock. She received 6,171 restricted stock units (RSUs) that were granted at no cash cost and will vest in full on the date of Forbright’s 2027 annual meeting of stockholders, subject to her continued board service. Each RSU represents a contingent right to receive one share of Class A common stock. The filing also reports 18,476 Class A shares held indirectly through The Nancy K. Eberhardt Revocable Trust, for which she serves as trustee and disclaims beneficial ownership except to the extent of her pecuniary interest.