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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 $0.0MQ3 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