---
schema_version: "secwatch.filing_event.v1"
accession: "0001925062-26-000016"
form_type: "8-K"
ticker: "FRBT"
cik: "0001925062"
company_name: "Forbright, Inc."
filed_at: "2026-07-30T10:10:50+00:00"
generated_at: "2026-07-30T10:15:10.203402+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Forbright Q2 net income $4.1M ($0.10 EPS) down from $11.6M in Q1; NII up to $63.1M, NIM expands to 3.19%

## Summary
- Net income $4.1M, basic EPS $0.10, diluted $0.09; Q1 net income was $11.6M ($0.29 basic).
- Net interest income $63.1M, up $3.6M QoQ; net interest margin 3.19%, +9 bps QoQ.
- Total loans $6.1B, total deposits $7.3B; provision for credit losses $5.9M, net charge-off ratio 0.20%.
- Efficiency ratio 77.39%; return on avg tangible common equity 2.19% (non-GAAP).
- One-time costs: $5.6M write-down of deferred tax assets and $0.9M IPO expenses in Q2.

## SEC filing metadata
- accession: 0001925062-26-000016
- form_type: 8-K
- ticker: FRBT
- cik: 0001925062
- company_name: Forbright, Inc.
- filed_at: 2026-07-30T10:10:50+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1925062/000192506226000016/0001925062-26-000016-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1925062/000192506226000016/frbt-20260730.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001925062-26-000016
- JSON: https://secwatch.observer/filing/0001925062-26-000016.json
- Plain text: https://secwatch.observer/filing/0001925062-26-000016.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.