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 | |