The National Capital Bank of Washington: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.65 percentage points lower than in Q1 2026, at 76.44%. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The National Capital Bank of Washington sits 0.11 points lower, at 1.14% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.35% |
| Tier 1 risk-based capital ratio | 17.35% |
| Total risk-based capital ratio | 18.60% |
| Tier 1 leverage ratio | 11.69% |
| Equity capital to assets | 10.87% |
| Tangible equity to tangible assets | 10.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.32% |
| Non-performing assets ratio | 1.58% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 13.50% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 52.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 10.72% |
| Net interest margin | 3.70% |
| Efficiency ratio | 61.73% |
| Yield on earning assets | 4.83% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.44% |
| Core deposits to total deposits | 90.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.81% |
| Securities to assets | 15.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.25% | 15.25% | 16.42% | 11.00% | 0.76% |
| Q4 2023 | 14.91% | 14.91% | 16.07% | 10.90% | 0.72% |
| Q1 2024 | 14.85% | 14.85% | 16.05% | 10.71% | 0.74% |
| Q2 2024 | 15.32% | 15.32% | 16.55% | 10.65% | 0.94% |
| Q3 2024 | 15.35% | 15.35% | 16.58% | 10.66% | 1.02% |
| Q4 2024 | 15.73% | 15.73% | 16.98% | 10.98% | 1.16% |
| Q1 2025 | 15.81% | 15.81% | 17.05% | 11.44% | 1.02% |
| Q2 2025 | 16.40% | 16.40% | 17.65% | 11.81% | 1.18% |
| Q3 2025 | 15.65% | 15.65% | 16.90% | 11.47% | 1.05% |
| Q4 2025 | 15.70% | 15.70% | 16.95% | 11.34% | 0.96% |
| Q1 2026 | 16.28% | 16.28% | 17.48% | 11.34% | 0.63% |
| Q2 2026 | 17.35% | 17.35% | 18.60% | 11.69% | 1.14% |
The National Capital Bank of Washington vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Capital Bank of Washington, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)