Rockville, MD · Cert 35278 · Capital Bcorp Inc.
National charter · OCC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
29
Asset Quality
9
Profitability
68
Liquidity
93
Efficiency
24
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.
Rockville, MD · Cert 35278 · Capital Bcorp Inc.
National charter · OCC · 8 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.9% share · #16 of 71 inst. · $2.8B of $301.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.22% | 1.52% | 1.46% | 1.49% | 1.51% | 1.16% | 1.24% | -22 bps | |
| Return on Equity | 13.41% | 12.91% | 16.29% | 15.62% | 15.78% | 15.95% | 12.56% | 13.52% | -210 bps | |
| Net Interest Margin | 6.01% | 4.94% | 5.76% | 5.74% | 5.80% | 5.65% | 5.44% | 5.36% | -38 bps | |
| Efficiency Ratio | 68.87% | 67.76% | 66.05% | 65.95% | 64.60% | 64.13% | 70.33% | 68.59% | +263 bps | |
| Non-Interest Burden | 3.80% | 3.02% | 3.43% | 3.40% | 3.39% | 3.28% | 3.50% | 3.35% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.39% | 44.36% | 44.31% | 39.25% | 33.12% | 12.91% | 14.36% | 15.32% | -2,393 bps | |
| Loan Growth (YoY) | 14.27% | 39.71% | 38.27% | 36.25% | 34.46% | 12.95% | 12.66% | 13.14% | -2,311 bps | |
| Deposit Growth (YoY) | 10.94% | 46.01% | 44.47% | 40.41% | 34.02% | 11.91% | 14.11% | 14.83% | -2,559 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.78% | 1.19% | 1.64% | 1.35% | 2.03% | 1.95% | 1.94% | 2.05% | +70 bps | |
| Net Charge-Offs / Loans | 0.42% | 0.35% | 0.37% | 0.55% | 0.48% | 0.42% | 0.40% | 0.44% | -11 bps | |
| Allowance / Loans | 1.50% | 1.84% | 1.79% | 1.72% | 1.87% | 1.84% | 1.80% | 1.75% | +3 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.5x | 1.1x | 1.3x | 0.9x | 0.9x | 0.9x | 0.9x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.84% | 9.17% | 9.33% | 9.39% | 9.34% | 9.24% | 9.00% | 8.97% | -42 bps | |
| Total Risk-Based Capital | 13.76% | 12.79% | 12.93% | 13.13% | 12.95% | 12.60% | 12.52% | 12.60% | -53 bps | |
| Equity / Assets | 9.12% | 9.30% | 9.35% | 9.47% | 9.75% | 9.44% | 9.06% | 9.11% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.97% | 93.86% | 91.82% | 91.90% | 95.28% | 94.73% | 90.65% | 90.55% | -135 bps | |
| Liquid Assets / Assets | 5.33% | 5.72% | 8.10% | 7.44% | 4.90% | 6.33% | 10.09% | 10.25% | +281 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 472% | 468% | 464% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.20% | 0.93% | 1.26% | 1.54% | Beats 47% | 94 / 176 | ||
| Return on Equity | 13.21% | 9.26% | 11.89% | 14.46% | Beats 60% | 70 / 176 | ||
| Net Interest Margin | 5.36% | 3.25% | 3.59% | 3.93% | Beats 98% | 4 / 176 | ||
| Efficiency Ratio | 68.59% | 52.79% | 59.55% | 67.66% | Beats 24% | 135 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.05% | 0.30% | 0.64% | 1.32% | Beats 8% | 163 / 176 | ||
| Net Charge-Offs / Loans | 0.25% | 0.01% | 0.04% | 0.10% | Beats 9% | 161 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.34% | 11.15% | 12.72% | 14.15% | Beats 30% | 123 / 176 | ||
| Total Risk-Based Capital Ratio | 12.60% | 11.81% | 13.63% | 15.33% | Beats 34% | 116 / 176 | ||
| Equity / Assets | 9.11% | 9.16% | 10.35% | 11.80% | Beats 23% | 135 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.55% | 80.94% | 89.73% | 97.21% | 52nd pctl | 84 / 176 | ||
| Loans / Assets | 80.06% | 69.25% | 75.12% | 80.82% | 70th pctl | 52 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||