The National Capital Bank of Washington: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 31.57 percentage points lower than in Q1 2026, at 274.48%. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The National Capital Bank of Washington sits 4.40 points lower, at 76.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $503.9M |
| Net loans and leases | $497.8M |
| Loans held for sale | $0 |
| Loans to total assets | 67.89% |
| Loan-to-deposit ratio | 76.44% |
| Net loans to equity capital | 6.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.60% |
| Multifamily (5+ residential) | 9.17% |
| Commercial and industrial | 8.02% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 274.48% |
| Construction concentration (Tier 1 capital + allowance) | 53.60% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.61% |
| Interest income on loans | $7.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $477.8M | $563.6M | 40.87% | 6.29% | 0.02% |
| Q4 2023 | $497.8M | $583.1M | 40.10% | 6.68% | 0.01% |
| Q1 2024 | $509.2M | $584.4M | 38.69% | 7.02% | 0.01% |
| Q2 2024 | $504.4M | $610.0M | 39.35% | 6.47% | 0.01% |
| Q3 2024 | $519.3M | $607.7M | 38.28% | 7.73% | 0.01% |
| Q4 2024 | $519.2M | $630.7M | 38.20% | 7.81% | 0.01% |
| Q1 2025 | $521.1M | $622.1M | 36.57% | 9.11% | 0.01% |
| Q2 2025 | $509.8M | $614.2M | 37.30% | 8.19% | 0.01% |
| Q3 2025 | $537.8M | $646.3M | 39.50% | 6.98% | 0.01% |
| Q4 2025 | $541.9M | $681.0M | 40.06% | 6.21% | 0.01% |
| Q1 2026 | $530.2M | $653.8M | 39.12% | 7.15% | 0.01% |
| Q2 2026 | $503.9M | $659.2M | 41.60% | 8.02% | 0.01% |
The National Capital Bank of Washington loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Capital Bank of Washington, freeSource: Call Report Schedule RC-C, 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)