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Capital Bank, National Association
Rockville, MD · FDIC Certificate #35278 · Chartered 12/1
Total assets
$3.84B
Total deposits
$3.39B
Total equity
$349.48M
Net loans
$3.02B
Branches (offices)
8
Net income (YTD)
$23.08M
Rank: #347 of 4,213 U.S. banks by assets · #5 of 27 in Maryland. Assets changed 15.3% and deposits 14.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 13.52% |
| Net interest margin (YTD) | 5.64% |
| Equity to assets | 9.11% |
| Tier 1 leverage ratio | 8.97% |
| Uninsured deposits (share of deposits) | 45.1% |
| Noncurrent loans (share of loans) | 2.05% |
| Net charge-offs (share of loans) | 0.45% |
| Loans to deposits | 89.0% |
| Real estate loans (share of loans) | 71.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.14B | 71.0% | |
| Commercial & industrial | $730.79M | 24.2% | |
| Consumer / individual | $144.74M | 4.8% | |
| Construction & development | $363.77M | 12.1% | |
| Agricultural | $1.99M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.11B | $1.89B | $20.83M | $172.31M |
| Jun 2023 | $2.17B | $1.94B | $16.01M | $194.15M |
| Jun 2024 | $2.39B | $2.10B | $14.18M | $227.80M |
| Jun 2025 | $3.33B | $2.95B | $23.80M | $315.21M |
| Jun 2026 | $3.84B | $3.39B | $23.08M | $349.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $2.62B | 3 |
| Illinois | $276.45M | 1 |
| District of Columbia | $216.09M | 1 |
| Virginia | $201.95M | 1 |
| North Carolina | $58.33M | 1 |
| Florida | $18.90M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.39B.
Similar-sized banks
Investar Bank, National Association ($3.85B) · Independence Bank Of Kentucky ($3.83B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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