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Letter portraitLegal landscapeQuarterYTD

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