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National Capital Bank of Washington, The

Washington, DC · Cert 2093 · National Capital Bcorp Inc.

National charter · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

72

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

National Capital Bank of Washington, The

Washington, DC · Cert 2093 · National Capital Bcorp Inc.

National charter · OCC · 4 branches

Q2 2026

$742.2MAssets
$503.9MLoans
$659.2MDeposits
$80.7MEquity
Loan mix
93%RE $492.2M7%C&I $37.9M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $474.3M28%Noninterest $184.9MQ3 2024Q2 2026

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.2% share · #34 of 71 inst. · $0.7B of $301.4B

1.0% District of Columbia
0.9% Arlington
0.0% Montgomery

Executive Summary

  • Earnings: ROA of 0.89%, down 20 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 2.32% of loans (+151 bps YoY), with net charge-offs at 0.95%.
  • Capital: tier 1 leverage ratio of 11.69%, down 12 bps from a year ago.
  • Funding: loans stand at 76.44% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.89%-20 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-7 bps YoY

Efficiency Ratio (YTD, annualized)

59.94%-222 bps YoY

Tier 1 Leverage Ratio

11.69%-12 bps YoY

NIM

4.62%Q2 ’244.80%Q2 ’254.64%Q2 ’26+15%-2%

Non-interest income vs. expense

2.34%Q2 ’242.52%Q2 ’252.50%Q2 ’26+8%-10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.98%1.01%1.09%1.08%1.05%0.64%0.89%-20 bps
Return on Equity9.76%10.37%10.17%10.75%10.56%10.24%6.07%8.40%-234 bps
Net Interest Margin3.11%3.19%3.51%3.57%3.45%3.40%3.40%3.50%-7 bps
Efficiency Ratio63.92%62.51%64.38%62.16%60.08%58.72%57.87%59.94%-222 bps
Non-Interest Burden1.83%1.82%2.10%2.03%1.87%1.79%1.68%1.83%-21 bps
Growth
Asset Growth (YoY)5.26%1.60%1.18%-1.89%1.26%6.89%2.59%5.72%+762 bps
Loan Growth (YoY)8.70%4.30%2.34%1.07%3.55%4.38%1.75%-1.16%-222 bps
Deposit Growth (YoY)7.84%8.16%6.45%0.69%6.35%7.98%5.11%7.32%+663 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.61%0.80%0.82%1.27%2.55%2.24%2.32%+151 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.10%0.26%1.70%0.95%+95 bps
Allowance / Loans1.17%1.18%1.19%1.22%1.21%1.21%1.16%1.21%-1 bps
Allowance Coverage of NPLsn/a1.9x1.5x1.5x1.0x0.5x0.5x0.5x-1.0x
Capital
Tier 1 Leverage Ratio10.66%10.98%11.44%11.81%11.47%11.34%11.34%11.69%-12 bps
Total Risk-Based Capital16.58%16.98%17.05%17.65%16.90%16.95%17.48%18.60%+95 bps
Equity / Assets9.70%9.85%10.09%10.56%10.50%10.25%10.73%10.87%+30 bps
Liquidity & Funding
Loans / Deposits85.45%82.32%83.77%83.00%83.20%79.57%81.09%76.44%-655 bps
Liquid Assets / Assets14.95%14.73%14.83%14.89%14.17%17.95%16.64%21.05%+616 bps
CRE / Total Capitaln/an/an/an/a383%395%381%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

National Capital Bank of Washington, The

Washington, DC · Cert 2093 · Peer group: banks under $1B in assets (n=581-629) · National Capital Bcorp Inc.

National charter · OCC · 4 branches

Q2 2026

$742.2MAssets
$503.9MLoans
$659.2MDeposits
$80.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 72% of banks under $1B in assets (rank 176 of 629).
  • Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets (rank 563 of 581).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.90%

Rank 371 of 629

Net Interest Margin

3.50%

Rank 328 of 629

Efficiency Ratio

59.94%

Rank 176 of 629

Equity / Assets

10.87%

Rank 299 of 629

Non-interest income vs. expense

$5.0M$18.7MINCOMEEXPENSE
Unfavorable gap of $13.7M · efficiency ratio beats 72% of banks under $1B in assets
Bank 59.94%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.90%0.60%1.01%1.45%Beats 41%371 / 629
Return on Equity8.26%5.38%9.30%13.28%Beats 42%364 / 629
Net Interest Margin3.50%3.03%3.54%4.05%Beats 48%328 / 629
Efficiency Ratio59.94%58.35%67.79%79.08%Beats 72%176 / 629
Asset Quality
Nonperforming Loans / Loans2.32%0.09%0.46%1.20%Beats 11%519 / 581
Net Charge-Offs / Loans0.47%n/a0.01%0.06%Beats 3%563 / 581
Capital
Tier 1 Capital Ratio17.35%11.24%13.84%18.77%Beats 71%185 / 629
Total Risk-Based Capital Ratio18.60%11.58%14.43%19.66%Beats 72%176 / 629
Equity / Assets10.87%9.09%10.65%13.80%Beats 52%299 / 629
Liquidity & Funding
Loans / Deposits76.44%67.24%80.90%93.48%43rd pctl340 / 594
Loans / Assets67.89%53.31%67.71%78.15%50th pctl313 / 629
Brokered Deposits / Depositsn/aNot reported for this institution