The National Capital Bank of Washington: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The National Capital Bank of Washington of Washington, DC against its peer group of 2672 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 | 1.14% | 1.34% | -0.20% | 41st below |
| ROAE | 10.72% | 13.32% | -2.60% | 40th below |
| Net Interest Margin | 3.70% | 3.93% | -0.23% | 37th below |
| Efficiency Ratio | 61.73% | 61.14% | +0.59% | 49th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.59% | 1.68% | -0.09% | 50th above |
| Yield on Earning Assets | 4.83% | 5.67% | -0.84% | 17th bottom |
| Cost of Funds | 1.24% | 1.88% | -0.64% | 83rd top |
| Net Interest Spread | 3.12% | 3.32% | -0.20% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.32% | 0.94% | +1.38% | 10th bottom |
| NPA / Total Assets | 1.58% | 0.70% | +0.88% | 11th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.16% | -0.06% | 18th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.28% | -0.07% | 52nd above |
| ACL / NPLs (Coverage) | 52.12% | 1539.84% | -1487.72% | 12th bottom |
| Texas Ratio | 13.50% | 7.33% | +6.17% | 15th bottom |
| Provision / NCO | 80.08% | 1396.93% | -1316.85% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.35% | 19.50% | -2.15% | 65th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.35% | 19.54% | -2.19% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.60% | 20.62% | -2.02% | 66th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.69% | 12.14% | -0.45% | 61st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.87% | 11.37% | -0.50% | 58th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.86% | 11.09% | -0.23% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.44% | 80.64% | -4.20% | 58th above |
| Core Deposit Ratio | 90.10% | 86.86% | +3.24% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.72% | 6.85% | -1.13% | 60th above |
| Loan Growth (Y/Y) | -1.16% | 7.91% | -9.07% | 18th bottom |
| Deposit Growth (Y/Y) | 7.32% | 6.29% | +1.03% | 72nd above |
See The National Capital Bank of Washington's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The National Capital Bank of Washington, 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 The National Capital Bank of Washington profile, how to read a UBPR, or how this data updates.