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
Unfavorable gap of $124.4M · efficiency ratio beats 24% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |