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
Unfavorable gap of $13.7M · efficiency ratio beats 72% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.60% | 1.01% | 1.45% | Beats 41% | 371 / 629 | |
| Return on Equity | 8.26% | 5.38% | 9.30% | 13.28% | Beats 42% | 364 / 629 | |
| Net Interest Margin | 3.50% | 3.03% | 3.54% | 4.05% | Beats 48% | 328 / 629 | |
| Efficiency Ratio | 59.94% | 58.35% | 67.79% | 79.08% | Beats 72% | 176 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.32% | 0.09% | 0.46% | 1.20% | Beats 11% | 519 / 581 | |
| Net Charge-Offs / Loans | 0.47% | n/a | 0.01% | 0.06% | Beats 3% | 563 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 17.35% | 11.24% | 13.84% | 18.77% | Beats 71% | 185 / 629 | |
| Total Risk-Based Capital Ratio | 18.60% | 11.58% | 14.43% | 19.66% | Beats 72% | 176 / 629 | |
| Equity / Assets | 10.87% | 9.09% | 10.65% | 13.80% | Beats 52% | 299 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 76.44% | 67.24% | 80.90% | 93.48% | 43rd pctl | 340 / 594 | |
| Loans / Assets | 67.89% | 53.31% | 67.71% | 78.15% | 50th pctl | 313 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |