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Letter portraitLegal landscapeQuarterYTD

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 $0.0MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $474.3M28%Noninterest $184.9MQ2 2025Q2 2026

NIM

4.74%Q2 ’244.78%Q2 ’254.64%Q2 ’26+13%-1%

Non-interest income vs. expense

2.33%Q2 ’242.45%Q2 ’252.60%Q2 ’26+4%+1%

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 1.16%, down 1 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 2.32% of loans (+151 bps YoY), with net charge-offs at 0.11%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.16%-1 bps YoY

Net Interest Margin (quarter, annualized)

3.55%-3 bps YoY

Efficiency Ratio (quarter, annualized)

61.99%+201 bps YoY

Tier 1 Leverage Ratio

11.69%-12 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.08%0.97%0.64%1.16%-1 bps
Return on Equity11.31%10.22%9.31%6.07%10.72%-59 bps
Net Interest Margin3.58%3.54%3.51%3.40%3.55%-3 bps
Efficiency Ratio59.98%56.15%54.81%57.87%61.99%+201 bps
Non-Interest Burden1.95%1.74%1.70%1.68%1.96%+2 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 / Loans0.82%1.27%2.55%2.24%2.32%+151 bps
Net Charge-Offs / Loans0.00%0.31%0.72%1.70%0.11%+11 bps
Allowance / Loans1.22%1.21%1.21%1.16%1.21%-1 bps
Allowance Coverage of NPLs1.5x1.0x0.5x0.5x0.5x-1.0x
Capital
Tier 1 Leverage Ratio11.81%11.47%11.34%11.34%11.69%-12 bps
Total Risk-Based Capital17.65%16.90%16.95%17.48%18.60%+95 bps
Equity / Assets10.56%10.50%10.25%10.73%10.87%+30 bps
Liquidity & Funding
Loans / Deposits83.00%83.20%79.57%81.09%76.44%-655 bps
Liquid Assets / Assets14.89%14.17%17.95%16.64%21.05%+616 bps
CRE / Total Capitaln/a383%395%381%n/an/a