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Capital Bank, National Association

Rockville, MD · Cert 35278 · Capital Bcorp Inc.

National charter · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

29

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

24

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Capital Bank, National Association

Rockville, MD · Cert 35278 · Capital Bcorp Inc.

National charter · OCC · 8 branches

Q2 2026

$3.8BAssets
$3.1BLoans
$3.4BDeposits
$349.5MEquity
Loan mix
71%RE $2.1B25%C&I $0.7B5%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $2.5B27%Noninterest $0.9BQ2 2025Q2 2026

NIM

8.37%Q2 ’247.76%Q2 ’257.35%Q2 ’26-6%-7%

Non-interest income vs. expense

5.03%Q2 ’244.45%Q2 ’254.32%Q2 ’26-13%-2%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.9% share · #16 of 71 inst. · $2.8B of $301.4B

4.5% Montgomery
0.1% Cook
0.4% District of Columbia
0.2% Fairfax

Executive Summary

  • Earnings: ROA of 1.24%, down 22 bps year over year; NIM at 5.36%.
  • Asset quality: problem loans at 2.05% of loans (+70 bps YoY), with net charge-offs at 0.44%.
  • Capital: tier 1 leverage ratio of 8.97%, down 42 bps from a year ago.
  • Funding: loans stand at 90.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%-22 bps YoY

Net Interest Margin (YTD, annualized)

5.36%-38 bps YoY

Efficiency Ratio (YTD, annualized)

68.59%+263 bps YoY

Tier 1 Leverage Ratio

8.97%-42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.46%1.49%1.51%1.16%1.24%-22 bps
Return on Equity15.62%15.78%15.95%12.56%13.52%-210 bps
Net Interest Margin5.74%5.80%5.65%5.44%5.36%-38 bps
Efficiency Ratio65.95%64.60%64.13%70.33%68.59%+263 bps
Non-Interest Burden3.40%3.39%3.28%3.50%3.35%-6 bps
Growth
Asset Growth (YoY)39.25%33.12%12.91%14.36%15.32%-2,393 bps
Loan Growth (YoY)36.25%34.46%12.95%12.66%13.14%-2,311 bps
Deposit Growth (YoY)40.41%34.02%11.91%14.11%14.83%-2,559 bps
Asset Quality
Nonperforming Loans / Loans1.35%2.03%1.95%1.94%2.05%+70 bps
Net Charge-Offs / Loans0.55%0.48%0.42%0.40%0.44%-11 bps
Allowance / Loans1.72%1.87%1.84%1.80%1.75%+3 bps
Allowance Coverage of NPLs1.3x0.9x0.9x0.9x0.9x-0.4x
Capital
Tier 1 Leverage Ratio9.39%9.34%9.24%9.00%8.97%-42 bps
Total Risk-Based Capital13.13%12.95%12.60%12.52%12.60%-53 bps
Equity / Assets9.47%9.75%9.44%9.06%9.11%-37 bps
Liquidity & Funding
Loans / Deposits91.90%95.28%94.73%90.65%90.55%-135 bps
Liquid Assets / Assets7.44%4.90%6.33%10.09%10.25%+281 bps
CRE / Total Capitaln/a472%468%464%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Capital Bank, National Association

Rockville, MD · Cert 35278 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Capital Bcorp Inc.

National charter · OCC · 8 branches

Q2 2026

$3.8BAssets
$3.1BLoans
$3.4BDeposits
$349.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks $1B-$10B in assets operating regionally (rank 4 of 176).
  • Widest gap: nonperforming loans / loans trails 92% of banks $1B-$10B in assets operating regionally (rank 163 of 176).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.20%

Rank 94 of 176

Net Interest Margin

5.36%

Rank 4 of 176

Efficiency Ratio

68.59%

Rank 135 of 176

Equity / Assets

9.11%

Rank 135 of 176

Non-interest income vs. expense

$36.4M$160.7MINCOMEEXPENSE
Unfavorable gap of $124.4M · efficiency ratio beats 24% of banks $1B-$10B in assets operating regionally
Bank 68.59%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.93%1.26%1.54%Beats 47%94 / 176
Return on Equity13.21%9.26%11.89%14.46%Beats 60%70 / 176
Net Interest Margin5.36%3.25%3.59%3.93%Beats 98%4 / 176
Efficiency Ratio68.59%52.79%59.55%67.66%Beats 24%135 / 176
Asset Quality
Nonperforming Loans / Loans2.05%0.30%0.64%1.32%Beats 8%163 / 176
Net Charge-Offs / Loans0.25%0.01%0.04%0.10%Beats 9%161 / 176
Capital
Tier 1 Capital Ratio11.34%11.15%12.72%14.15%Beats 30%123 / 176
Total Risk-Based Capital Ratio12.60%11.81%13.63%15.33%Beats 34%116 / 176
Equity / Assets9.11%9.16%10.35%11.80%Beats 23%135 / 176
Liquidity & Funding
Loans / Deposits90.55%80.94%89.73%97.21%52nd pctl84 / 176
Loans / Assets80.06%69.25%75.12%80.82%70th pctl52 / 176
Brokered Deposits / Depositsn/aNot reported for this institution