The National Capital Bank of Washington
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Data as of · sourced from FFIEC call reports. How we update
The National Capital Bank of Washington is an FDIC-insured commercial bank headquartered in Washington, DC, supervised by the OCC, with $742.2M in total assets at Q2 2026, up 5.7% from Q2 2025, the 3rd largest of 4 banks headquartered in District of Columbia. It was established in 1889 and holds FDIC certificate 2093. Its CET1 capital ratio was 17.35% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2093
- Headquarters
- Washington, DC
- Established
- 1889
- Total assets, Q2 2026
- $742.2M
- Assets vs Q2 2025
- +5.7%
- CET1 ratio, Q2 2026
- 17.35%
- Domestic offices
- 4 · The National Capital Bank of Washington branches FDIC institution directory, current count
- Routing number
- 054000056
- Safety and soundness
- Is The National Capital Bank of Washington safe?
- Latest call report
- Q2 2026, FFIEC 051 · The National Capital Bank of Washington call report
- Holding company
- NATIONAL CAPITAL BANCORP, INC.
- Asset rank in state
- 3rd of 4 in District of Columbia
Problem loans are rising at The National Capital Bank of Washington. Based in Washington, the District of Columbia, it had $742 million in assets at June 30, 2026, up 5.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.32% of loans from 0.82% a year earlier. It holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 13.5% of the capital and reserves that would absorb them, 5.1 times the median of 2.6% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 1.2% and deposits rose 7.3%. Paper losses on its bond portfolio are shrinking: unrealized losses of $15 million equal 17% of Tier 1 capital, down from 23% a year earlier.
As of June 30, 2026, The National Capital Bank of Washington reported a CET1 capital ratio of 17.35%, a return on assets of 1.14%, a nonperforming-loan ratio of 2.32% and a Texas ratio of 13.50%. The figures come from its call report filed with the FFIEC.
From Q1 2026 to Q2 2026, its total assets rose 1.0% to $742.2M, loans fell 5.0% and deposits rose 0.8%. 1-4 family residential loans made up 31.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 29.6%. Its 4 offices in the FDIC Summary of Deposits are in Washington, DC, Arlington, VA and Bethesda, MD; its Washington 2 offices book 84% of its branch deposits. Judged on its Q2 2026 call report, The National Capital Bank of Washington meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 316 Pennsylvania Ave Se, Washington, DC 20003
- County
- District Of Columbia
- 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 051
- Established
- August 30, 1889
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 64
- Domestic deposits
- $659.2M
- Allowance for credit losses
- $6.1M
- Net charge-offs (YTD)
- $2.4M
- Average total assets
- $747.6M
- Average total loans
- $521.7M
- Average interest-bearing deposits
- $475.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2093
- Fed RSSD
- 791821
- Website
- www.nationalcapitalbank.bank →
- Parent Holding Company
- NATIONAL CAPITAL BANCORP, INC. (RSSD 5581607)
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
Over the 12 quarters to Q2 2026, The National Capital Bank of Washington's total assets ran between $681.8M (Q3 2023) and $763.3M (Q4 2025), 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
$742.2M total assets against $702.0M; $661.5M total liabilities against $627.8M.
$497.8M net loans and leases against $503.5M; $659.2M total deposits against $614.2M.
$111.5M securities against $119.9M; $101.5M cash and balances due against $46.4M.
$8.7M total interest income against $8.3M; $2.0M total interest expense against $2.1M.
$6.6M net interest income against $6.3M.
$1.2M total noninterest income against $889K; $4.9M total noninterest expense against $4.3M.
$105K provision for credit losses against $65K.
$2.1M net income against $2.1M.
1.14% return on assets against 1.18%; 3.70% net interest margin against 3.73%.
17.35% CET1 capital ratio against 16.40%; 11.69% tier 1 leverage ratio against 11.81%.
Inside the full The National Capital Bank of Washington 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.
The National Capital Bank of Washington rankings
Its closest position to the top of a national ranking is 383 of 3,640, for Texas Ratio; its furthest is 2,182 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.63% (Q1 2026) to 1.18% (Q2 2025) and its net interest margin ran from 3.35% (Q3 2024) to 3.73% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.35% | 1.14% | 2.32% | 13.50% | 3.70% |
| Q1 2026 | 16.28% | 0.63% | 2.24% | 13.98% | 3.53% |
| Q4 2025 | 15.70% | 0.96% | 2.55% | 16.30% | 3.64% |
| Q3 2025 | 15.65% | 1.05% | 1.27% | 8.24% | 3.68% |
| Q2 2025 | 16.40% | 1.18% | 0.82% | 5.19% | 3.73% |
| Q1 2025 | 15.81% | 1.02% | 0.80% | 5.31% | 3.65% |
| Q4 2024 | 15.73% | 1.16% | 0.61% | 4.16% | 3.50% |
| Q3 2024 | 15.35% | 1.02% | 0.00% | 0.00% | 3.35% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| The National Capital Bank of Washington | Washington , DC | 20003 | $467.1M |
| Friendship Heights Branch | Washington , DC | 20015 | $85.4M |
| Courthouse Branch | Arlington , VA | 22201 | $82.3M |
| Fox Hill Branch | Bethesda , MD | 20817 | $24.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 25, 2015, OCC: Formal Agreement: The National Capital Bank of Washington
- Period: Most recent institution action August 25, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in DC, rank 15 of 30 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 32 applications, 30 loans originated, $35.5M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.6M approved, $776K average. 0.00% 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 The National Capital Bank of Washington
What are The National Capital Bank of Washington's total assets?
As of the Q2 2026 filing, The National Capital Bank of Washington reported total assets of $742.2 million in its FFIEC call report.
Where is The National Capital Bank of Washington headquartered?
It is headquartered in Washington, DC, United States.
When was The National Capital Bank of Washington founded?
It was established in 1889, per the FDIC institution directory.
Is The National Capital Bank of Washington FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The National Capital Bank of Washington?
The National Capital Bank of Washington's primary federal regulator is the OCC.
What is The National Capital Bank of Washington's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The National Capital Bank of Washington operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The National Capital Bank of Washington's Texas Ratio?
Its Texas Ratio is 13.50% 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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