Capital Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Capital Bank, N.A. of Rockville, MD against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.34% | 1.46% | -0.12% | 55th above |
| ROAE | 14.48% | 12.71% | +1.77% | 67th above |
| Net Interest Margin | 5.61% | 3.85% | +1.76% | 97th top |
| Efficiency Ratio | 66.87% | 57.39% | +9.48% | 27th below |
| PPNR / Avg Assets | 2.12% | 1.88% | +0.24% | 74th above |
| Yield on Earning Assets | 7.73% | 5.71% | +2.02% | 97th top |
| Cost of Funds | 2.16% | 2.02% | +0.14% | 40th below |
| Net Interest Spread | 4.69% | 3.18% | +1.51% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.96% | 1.00% | +0.96% | 11th bottom |
| NPA / Total Assets | 1.67% | 0.76% | +0.91% | 9th bottom |
| NCO / Avg Loans | 0.50% | 0.43% | +0.07% | 9th bottom |
| ACL / Total Loans | 1.75% | 1.31% | +0.44% | 93rd top |
| ACL / NPLs (Coverage) | 89.38% | 544.04% | -454.66% | 25th below |
| Texas Ratio | 18.83% | 7.37% | +11.46% | 8th bottom |
| Provision / NCO | 97.92% | 619.52% | -521.60% | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.34% | 17.35% | -6.01% | 15th bottom |
| Tier 1 Ratio | 11.34% | 17.38% | -6.04% | 15th bottom |
| Total Capital Ratio | 12.60% | 18.43% | -5.83% | 16th bottom |
| Leverage Ratio | 8.97% | 11.44% | -2.47% | 11th bottom |
| Equity / Assets | 9.11% | 11.34% | -2.23% | 23rd bottom |
| TCE / Tangible Assets | 8.51% | 10.50% | -1.99% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.55% | 86.95% | +3.60% | 43rd below |
| Core Deposit Ratio | 89.00% | 85.55% | +3.45% | 53rd above |
| Uninsured Deposit Ratio | 45.13% | 33.10% | +12.03% | 16th bottom |
| Wholesale Funding Ratio | 1.30% | 5.71% | -4.41% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.32% | 9.67% | +5.65% | 88th top |
| Loan Growth (Y/Y) | 13.14% | 8.05% | +5.09% | 82nd top |
| Deposit Growth (Y/Y) | 14.83% | 7.86% | +6.97% | 85th top |
See Capital Bank, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Capital Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Capital Bank, N.A. profile, how to read a UBPR, or how this data updates.