Washington, DC · Cert 2093 · National Capital Bcorp Inc.
National charter · OCC · 4 branches
Q2 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
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.18% | 1.01% | 1.17% | 1.08% | 0.97% | 0.64% | 1.16% | -1 bps | |
| Return on Equity | 10.99% | 12.04% | 10.17% | 11.31% | 10.22% | 9.31% | 6.07% | 10.72% | -59 bps | |
| Net Interest Margin | 3.22% | 3.36% | 3.51% | 3.58% | 3.54% | 3.51% | 3.40% | 3.55% | -3 bps | |
| Efficiency Ratio | 60.45% | 58.57% | 64.38% | 59.98% | 56.15% | 54.81% | 57.87% | 61.99% | +201 bps | |
| Non-Interest Burden | 1.78% | 1.77% | 2.10% | 1.95% | 1.74% | 1.70% | 1.68% | 1.96% | +2 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 / Loans | 0.00% | 0.61% | 0.80% | 0.82% | 1.27% | 2.55% | 2.24% | 2.32% | +151 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.31% | 0.72% | 1.70% | 0.11% | +11 bps | |
| Allowance / Loans | 1.17% | 1.18% | 1.19% | 1.22% | 1.21% | 1.21% | 1.16% | 1.21% | -1 bps | |
| Allowance Coverage of NPLs | n/a | 1.9x | 1.5x | 1.5x | 1.0x | 0.5x | 0.5x | 0.5x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.66% | 10.98% | 11.44% | 11.81% | 11.47% | 11.34% | 11.34% | 11.69% | -12 bps | |
| Total Risk-Based Capital | 16.58% | 16.98% | 17.05% | 17.65% | 16.90% | 16.95% | 17.48% | 18.60% | +95 bps | |
| Equity / Assets | 9.70% | 9.85% | 10.09% | 10.56% | 10.50% | 10.25% | 10.73% | 10.87% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.45% | 82.32% | 83.77% | 83.00% | 83.20% | 79.57% | 81.09% | 76.44% | -655 bps | |
| Liquid Assets / Assets | 14.95% | 14.73% | 14.83% | 14.89% | 14.17% | 17.95% | 16.64% | 21.05% | +616 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 383% | 395% | 381% | n/a | n/a | |