CAPITAL BANK, NATIONAL ASSOCIATION

ROCKVILLE, MD | Large | Est. Dec. 14, 1999, midnight | FDIC #35278 | RSSD #2808602 | OCC
Latest Report: 2025-12-31

CAPITAL BANK, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in ROCKVILLE, MD, established in Dec. 14, 1999, midnight. As of 2025-12-31, the bank reported total assets of $3.5B and total deposits of $3.1B. Profitability stands at 1.58% ROA and 16.44% ROE, with a net interest margin of 6.28%. The bank's CET1 capital ratio is 11.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.79% and a Texas Ratio of 14.51%. FDIC Certificate #35278.

Assets

$3.5B

Deposits

$3.1B

Loans

$2.9B

Equity

$335M

Profitability

Return on Assets (ROA) 1.58%
Return on Equity (ROE) 16.44%
Net Interest Margin (NIM) 6.28%
Yield on Assets 8.58%
Cost of Funds 3.31%

Asset Quality

NPL Ratio 1.79%
Net Charge-Off Ratio 0.42%
Texas Ratio 14.51%
NPA Ratio 1.59%
ACL / Loans 1.84%

Capital & Liquidity

CET1 Ratio 11.34%
Tier 1 Capital 11.34%
Total Capital Ratio 12.60%
Leverage Ratio 9.24%
Loan-to-Deposit 94.73%

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