BanksCAPITAL BANK, NATIONAL ASSOCIATION

CAPITAL BANK, NATIONAL ASSOCIATION

ROCKVILLE, MDLargeEst. Dec. 14, 1999, midnightFDIC #35278RSSD #2808602OCC
Latest · 2025-12-31

CAPITAL BANK, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 11.34%, well above regulatory minimums. NPL ratio: 1.79% · Texas Ratio: 14.51%. Operates 8 domestic branches.

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 Margin6.28%
Yield on Assets8.58%
Cost of Funds2.38%

Asset Quality

NPL Ratio1.79%
Net Charge-Off Ratio0.42%
Texas Ratio14.51%
NPA Ratio1.59%
ACL / Loans1.84%

Capital & Liquidity

CET1 Ratio11.34%
Tier 1 Capital11.34%
Total Capital Ratio12.60%
Leverage Ratio9.24%
Loan-to-Deposit94.73%

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