Capital Bank, N.A. (Rockville, MD)
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Data as of · sourced from FFIEC call reports. How we update
Capital Bank, N.A. is an FDIC-insured commercial bank headquartered in Rockville, MD, established in 1999 (FDIC certificate 35278), and it is supervised by the OCC. At Q2 2026 it reported total assets of $3.84B, up 15.3% from Q2 2025, the 5th largest of 27 banks headquartered in Maryland. Its CET1 capital ratio was 11.34% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 35278
- Headquarters
- Rockville, MD
- Established
- 1999
- Total assets, Q2 2026
- $3.84B
- Assets vs Q2 2025
- +15.3%
- CET1 ratio, Q2 2026
- 11.34%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 055003340
- Latest call report
- Q2 2026, FFIEC 041 · Capital Bank, N.A. call report
- Holding company
- CAPITAL BANCORP, INC.
- Asset rank in state
- 5th of 27 in Maryland
Problem loans are rising at Capital Bank, N.A.. It reported $3.8 billion in assets at June 30, 2026, up 15.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.74% of loans from 1.24% a year earlier. It keeps 5.61 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it carries problem assets equal to 15.2% of the capital and reserves that would absorb them, 4.2 times the median of 3.6% for banks its size.
The commercial and industrial book ($731 million) is worsening: 3.42% of it is past due or on nonaccrual, up from 1.35% a year earlier. Where it has less room is capital: it funds 8.97% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, Capital Bank, N.A. reported a CET1 capital ratio of 11.34%, a return on assets of 1.34%, a nonperforming-loan ratio of 2.05% and a Texas ratio of 15.16%. The figures come from its call report filed with the FFIEC.
Of the 27 banks headquartered in Maryland, Capital Bank, N.A. is the 5th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.2% to $3.84B, loans rose 2.3% and deposits rose 2.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 23.8% of total loans, ahead of 1-4 family residential loans at 19.6%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities across 6 states; its Rockville 2 offices book 71% of its branch deposits. By the capital ratios in its Q2 2026 call report, Capital Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2275 Research Blvd, Rockville, MD 20850
- County
- Montgomery
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 14, 1999
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 405
- Domestic deposits
- $3.39B
- Allowance for credit losses
- $53.8M
- Net charge-offs (YTD)
- $6.8M
- Average total assets
- $3.72B
- Average total loans
- $3.05B
- Average interest-bearing deposits
- $2.57B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 14, 1999
- FDIC Cert
- 35278
- Fed RSSD
- 2808602
- SEC CIK
- 1419536 → filed by CAPITAL BANCORP, INC.
- Website
- http://www.capitalbankmd.com →
- Parent Holding Company
- CAPITAL BANCORP, INC. (RSSD 2808590) · CBNK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Edward F Barry | CEO | Chief Executive Officer |
| Karl Dicker | PRES | EVP and President of OpenSky |
| Jacob Dalaya | CFO | EVP, Chief Financial Officer |
| James Como | COO | EVP, COO of the Bank |
| Anguel Lindarev | CIO | EVP, Chief Information Officer |
| Kathy Yamada | CCO | EVP & Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Capital Bank, N.A.'s total assets moved between a low of $2.18B (Q4 2023) and a high of $3.84B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.84B total assets against $3.33B; $3.49B total liabilities against $3.01B.
$3.02B net loans and leases against $2.67B; $3.39B total deposits against $2.95B.
$219.9M securities against $228.9M; $420.5M cash and balances due against $276.9M.
$69.3M total interest income against $63.8M; $19.0M total interest expense against $16.8M.
$50.3M net interest income against $47.1M.
$9.1M total noninterest income against $8.8M; $39.7M total noninterest expense against $36.8M.
$3.6M provision for credit losses against $4.1M.
$12.5M net income against $11.6M.
1.34% return on assets against 1.43%; 5.61% net interest margin against 6.04%.
11.34% CET1 capital ratio against 11.87%; 8.97% tier 1 leverage ratio against 9.39%.
Inside the full Capital Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Capital Bank, N.A. rankings
Its closest position to the top of a national ranking is 340 of 4,196, for total assets; its furthest is 1,883 of 2,134, for CET1 ratio.
Metric pages for Capital Bank, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.05% (Q4 2024) to 1.57% (Q4 2025) and its net interest margin ran from 5.61% (Q1 2026) to 6.43% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.34% | 1.34% | 2.05% | 15.16% | 5.61% |
| Q1 2026 | 11.26% | 1.18% | 1.94% | 14.34% | 5.61% |
| Q4 2025 | 11.34% | 1.57% | 1.95% | 15.80% | 5.99% |
| Q3 2025 | 11.69% | 1.55% | 2.03% | 14.68% | 6.41% |
| Q2 2025 | 11.87% | 1.43% | 1.35% | 9.93% | 6.04% |
| Q1 2025 | 11.67% | 1.54% | 1.64% | 11.66% | 5.96% |
| Q4 2024 | 11.54% | 1.05% | 1.19% | 9.44% | 5.91% |
| Q3 2024 | 12.50% | 1.37% | 0.78% | 5.73% | 6.43% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rockville Branch | Rockville , MD | 20850 | $2.42B |
| West Town Branch | North Riverside , IL | 60546 | $276.5M |
| 1400 W Street Branch | Washington , DC | 20009 | $216.1M |
| Reston Branch | Reston , VA | 20191 | $202.0M |
| Columbia Branch | Columbia , MD | 21046 | $199.3M |
| Raleigh Branch | Raleigh , NC | 27615 | $58.3M |
| Ft. Lauderdale Branch | Fort Lauderdale , FL | 33301 | $18.9M |
| Capital Bank, N.A. (main office) | Rockville , MD | 20850 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2024 | Structure Change | Acquired West Town Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 11, 2013 | Structure Change | Acquired Pisgah Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 10, 2013 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 21, 2012 | Structure Change | Acquired American Eagle Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 20, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 19, 2011 | Structure Change | Acquired Public Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 18, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 3 against individuals associated with it
- May 6, 2002, OCC: Formal Agreement: Harbor Capital National Bank
- Period: Most recent institution action May 6, 2002. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.3% of deposits in MD, rank 15 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,138 applications, 814 loans originated, $395.0M originated, across 39 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 46 loans, $24.6M approved, $535K average. 2.17% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Capital Bank, N.A.
What are Capital Bank, N.A.'s total assets?
As of the Q2 2026 filing, Capital Bank, N.A. reported total assets of $3.84 billion in its FFIEC call report.
Where is Capital Bank, N.A. headquartered?
It is headquartered in Rockville, MD, United States.
When was Capital Bank, N.A. founded?
It was established in 1999, per the FDIC institution directory.
Is Capital Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35278). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Capital Bank, N.A.?
Capital Bank, N.A.'s primary federal regulator is the OCC.
What is Capital Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.34% in its Q2 2026 call report, above regulatory requirements.
How many branches does Capital Bank, N.A. operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Capital Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 15.16% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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