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The National Capital Bank Of Washington
Washington, DC · FDIC Certificate #2093 · Chartered 08/3
Total assets
$742.18M
Total deposits
$659.16M
Total equity
$80.67M
Net loans
$497.77M
Branches (offices)
4
Net income (YTD)
$3.33M
Rank: #1,318 of 4,213 U.S. banks by assets · #3 of 4 in District of Columbia. Assets changed 5.7% and deposits 7.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.89% |
| Return on equity | 8.40% |
| Net interest margin (YTD) | 3.67% |
| Equity to assets | 10.87% |
| Tier 1 leverage ratio | 11.69% |
| Uninsured deposits (share of deposits) | 29.3% |
| Noncurrent loans (share of loans) | 2.32% |
| Net charge-offs (share of loans) | 0.91% |
| Loans to deposits | 75.5% |
| Real estate loans (share of loans) | 93.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $463.36M | 93.1% | |
| Commercial & industrial | $40.43M | 8.1% | |
| Consumer / individual | $30.00K | 0.0% | |
| Construction & development | $50.12M | 10.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $676.29M | $607.20M | $2.22M | $57.06M |
| Jun 2023 | $672.76M | $566.11M | $2.43M | $61.50M |
| Jun 2024 | $715.54M | $609.97M | $2.99M | $66.27M |
| Jun 2025 | $701.99M | $614.20M | $3.88M | $74.16M |
| Jun 2026 | $742.18M | $659.16M | $3.33M | $80.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| District of Columbia | $552.49M | 2 |
| Virginia | $82.28M | 1 |
| Maryland | $24.39M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $659.16M.
Similar-sized banks
Oconee State Bank ($744.12M) · First Bank ($739.90M)
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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