The National Capital Bank of Washington: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Total risk-based capital ratio, which rose 1.12 percentage points to 18.60%. The National Capital Bank of Washington reported 17.35% on CET1 ratio for Q2 2026, 2.28 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.35% |
| Tier 1 risk-based capital ratio | 17.35% |
| Total risk-based capital ratio | 18.60% |
| Tier 1 leverage ratio | 11.69% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $87.4M |
| Tier 1 capital | $87.4M |
| Total risk-based capital | $93.7M |
| Total equity capital | $80.7M |
| Risk-weighted assets | $503.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.87% |
| Tangible equity to tangible assets | 10.86% |
| Equity capital to average assets | 10.79% |
| Internal capital growth rate | 7.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $12.1M |
| Retained earnings | $75.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.25% | 15.25% | 16.42% | 11.00% | $480.2M |
| Q4 2023 | 14.91% | 14.91% | 16.07% | 10.90% | $497.8M |
| Q1 2024 | 14.85% | 14.85% | 16.05% | 10.71% | $505.9M |
| Q2 2024 | 15.32% | 15.32% | 16.55% | 10.65% | $499.2M |
| Q3 2024 | 15.35% | 15.35% | 16.58% | 10.66% | $507.9M |
| Q4 2024 | 15.73% | 15.73% | 16.98% | 10.98% | $506.8M |
| Q1 2025 | 15.81% | 15.81% | 17.05% | 11.44% | $512.6M |
| Q2 2025 | 16.40% | 16.40% | 17.65% | 11.81% | $503.7M |
| Q3 2025 | 15.65% | 15.65% | 16.90% | 11.47% | $537.0M |
| Q4 2025 | 15.70% | 15.70% | 16.95% | 11.34% | $543.7M |
| Q1 2026 | 16.28% | 16.28% | 17.48% | 11.34% | $527.8M |
| Q2 2026 | 17.35% | 17.35% | 18.60% | 11.69% | $503.7M |
The National Capital Bank of Washington regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Capital Bank of Washington, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The National Capital Bank of Washington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2093) · FFIEC NIC profile (RSSD 791821)