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

Deposit mix

NIM

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

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%.

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

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.09%	1.08%	1.05%	0.64%	0.89%	-20 bps
Return on Equity	10.75%	10.56%	10.24%	6.07%	8.40%	-234 bps
Net Interest Margin	3.57%	3.45%	3.40%	3.40%	3.50%	-7 bps
Efficiency Ratio	62.16%	60.08%	58.72%	57.87%	59.94%	-222 bps
Non-Interest Burden	2.03%	1.87%	1.79%	1.68%	1.83%	-21 bps
Growth
Asset Growth (YoY)	-1.89%	1.26%	6.89%	2.59%	5.72%	+762 bps
Loan Growth (YoY)	1.07%	3.55%	4.38%	1.75%	-1.16%	-222 bps
Deposit Growth (YoY)	0.69%	6.35%	7.98%	5.11%	7.32%	+663 bps
Asset Quality
Nonperforming Loans / Loans	0.82%	1.27%	2.55%	2.24%	2.32%	+151 bps
Net Charge-Offs / Loans	0.00%	0.10%	0.26%	1.70%	0.95%	+95 bps
Allowance / Loans	1.22%	1.21%	1.21%	1.16%	1.21%	-1 bps
Allowance Coverage of NPLs	1.5x	1.0x	0.5x	0.5x	0.5x	-1.0x
Capital
Tier 1 Leverage Ratio	11.81%	11.47%	11.34%	11.34%	11.69%	-12 bps
Total Risk-Based Capital	17.65%	16.90%	16.95%	17.48%	18.60%	+95 bps
Equity / Assets	10.56%	10.50%	10.25%	10.73%	10.87%	+30 bps
Liquidity & Funding
Loans / Deposits	83.00%	83.20%	79.57%	81.09%	76.44%	-655 bps
Liquid Assets / Assets	14.89%	14.17%	17.95%	16.64%	21.05%	+616 bps
CRE / Total Capital	n/a	383%	395%	381%	n/a	n/a