Capital Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Rockville, Capital Bank, N.A. serves the Maryland market as a community-focused commercial bank. The Q2 2026 balance sheet stands at $3.8B in assets, including $3.1B in loans. Returns are notably above industry norms: 1.34% ROA, 14.48% ROE, and 5.61% NIM. Regulatory capital is solid, 11.34% CET1 and 12.60% total risk-based capital ratio. Asset quality merits closer attention with NPLs at 1.96%. 8 branches make up the footprint.
As of June 30, 2026, Capital Bank, N.A. reported a CET1 capital ratio of 11.34%, a return on assets of 1.34%, a nonperforming-loan ratio of 1.96%, a Texas ratio of 18.83%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 2275 Research Blvd, Rockville, MD 20850
- County
- Montgomery
- 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 041
- Established
- December 14, 1999
- Offices
- 8 domestic
- Employees (FTE)
- 405
- Domestic deposits
- $3.39B
- Allowance for credit losses
- $53.8M
- Net charge-offs (YTD)
- $6.8M
- Average total assets
- $3.72B
- Average total loans
- $3.05B
- Average interest-bearing deposits
- $2.57B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 14, 1999
- FDIC Cert
- 35278
- Fed RSSD
- 2808602
- SEC CIK
- 1419536 → filed by CAPITAL BANCORP, INC.
- Website
- http://www.capitalbankmd.com →
- Parent Holding Company
- CAPITAL BANCORP, INC. (RSSD 2808590) · CBNK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Barry Edward F | CEO | Chief Executive Officer |
| Dalaya Jacob | CFO | EVP, Chief Financial Officer |
| Como James | COO | EVP, COO of the Bank |
| Dicker Karl | PRES | EVP and President of OpenSky |
| Lindarev Anguel | CIO | EVP, Chief Information Officer |
| Yamada Kathy | CCO | EVP & Chief Credit Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Capital Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Capital Bank, N.A., 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.
Capital Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Capital Bank, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.34% | 1.34% | 1.96% | 18.83% | 5.61% |
| Q1 2026 | 11.26% | 1.18% | 1.83% | 16.95% | 5.61% |
| Q4 2025 | 11.34% | 1.57% | 1.82% | 17.11% | 5.99% |
| Q3 2025 | 11.69% | 1.55% | 1.86% | 16.92% | 6.41% |
| Q2 2025 | 11.87% | 1.43% | 1.36% | 11.37% | 6.04% |
| Q1 2025 | 11.67% | 1.54% | 1.73% | 14.39% | 5.96% |
| Q4 2024 | 11.54% | 1.05% | 1.30% | 11.24% | 5.91% |
| Q3 2024 | 12.50% | 1.37% | 0.75% | 6.61% | 6.43% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rockville Branch | Rockville , MD | 20850 | $2.42B |
| West Town Branch | North Riverside , IL | 60546 | $276.5M |
| 1400 W Street Branch | Washington , DC | 20009 | $216.1M |
| Reston Branch | Reston , VA | 20191 | $202.0M |
| Columbia Branch | Columbia , MD | 21046 | $199.3M |
| Raleigh Branch | Raleigh , NC | 27615 | $58.3M |
| Ft. Lauderdale Branch | Fort Lauderdale , FL | 33301 | $18.9M |
| Capital Bank, N.A. (main office) | Rockville , MD | 20850 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2024 | Structure Change | Acquired West Town Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 11, 2013 | Structure Change | Acquired Pisgah Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 10, 2013 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 21, 2012 | Structure Change | Acquired American Eagle Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 20, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 19, 2011 | Structure Change | Acquired Public Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 18, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Capital Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 3 against individuals associated with it
- May 6, 2002, OCC: Formal Agreement: Harbor Capital National Bank
- Period: Most recent institution action May 6, 2002. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.3% of deposits in MD, rank 15 of 71 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,138 applications, 814 loans originated, $395.0M originated, across 39 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Capital Bank, N.A.
What are Capital Bank, N.A.'s total assets?
As of the Q2 2026 filing, Capital Bank, N.A. reported total assets of $3.84 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Capital Bank, N.A. headquartered?
Capital Bank, N.A. is headquartered in Rockville, MD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Capital Bank, N.A. founded?
Capital Bank, N.A. was established in 1999, per the FDIC institution directory.
Is Capital Bank, N.A. FDIC-insured?
Yes. Capital Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #35278). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Capital Bank, N.A.?
Capital Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Capital Bank, N.A.'s CET1 capital ratio?
Capital Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 11.34% in its Q2 2026 call report, above regulatory requirements.
How many branches does Capital Bank, N.A. operate?
Capital Bank, N.A. operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Capital Bank, N.A.'s Texas Ratio?
Capital Bank, N.A.'s Texas Ratio is 18.83% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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