Headquartered in Rockville, Maryland, Capital Bank, National Association is a national bank with $3.8B in total assets and $3.4B in deposits as of Q2 2026. It operates 8 offices across 6 states. Its charter dates back to 1999.
Capital Bank, National Association has a TellerScore of 46 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Maryland, it ranks 27th. Earnings contributes the most (70/100, 1.24%); loan quality contributes the least (32/100, 2.05%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 10 points (56 → 46), mostly because the loan quality component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 61 |
| Q4 2024 | 56 |
| Q1 2025 | 54 |
| Q2 2025 | 56 |
| Q3 2025 | 49 |
| Q4 2025 | 50 |
| Q1 2026 | 47 |
| Q2 2026 | 46 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.36% |
| Q3 2024 | 9.84% |
| Q4 2024 | 9.17% |
| Q1 2025 | 9.33% |
| Q2 2025 | 9.39% |
| Q3 2025 | 9.34% |
| Q4 2025 | 9.24% |
| Q1 2026 | 9.00% |
| Q2 2026 | 8.97% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.78% |
| Q4 2024 | 1.19% |
| Q1 2025 | 1.64% |
| Q2 2025 | 1.35% |
| Q3 2025 | 2.03% |
| Q4 2025 | 1.95% |
| Q1 2026 | 1.94% |
| Q2 2026 | 2.05% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.24% |
| Q3 2024 | 1.28% |
| Q4 2024 | 1.22% |
| Q1 2025 | 1.52% |
| Q2 2025 | 1.46% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.51% |
| Q1 2026 | 1.16% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 46 | $3.8B | 8.97% | 2.05% | 1.24% | 89.0% |
| Q1 2026 | 47 | $3.8B | 9.00% | 1.94% | 1.16% | 89.0% |
| Q4 2025 | 50 | $3.5B | 9.24% | 1.95% | 1.51% | 93.0% |
| Q3 2025 | 49 | $3.3B | 9.34% | 2.03% | 1.49% | 93.5% |
| Q2 2025 | 56 | $3.3B | 9.39% | 1.35% | 1.46% | 90.3% |
| Q1 2025 | 54 | $3.3B | 9.33% | 1.64% | 1.52% | 90.2% |
| Q4 2024 | 56 | $3.1B | 9.17% | 1.19% | 1.22% | 92.1% |
| Q3 2024 | 61 | $2.5B | 9.84% | 0.78% | 1.28% | 93.5% |
| Q2 2024 | 63 | $2.4B | 10.36% | 0.75% | 1.24% | 93.3% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Maryland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First United Bank & TrustBank Oakland, MD | 75 out of 100, Strong | $2.1B | 11.6% | 0.31% | vs |
| CFG BankBank Lutherville, MD | 51 out of 100, Below average | $6.1B | 11.3% | 3.86% | vs |
| Shore United Bank, National AssociationBank Easton, MD | 61 out of 100, Moderate | $6.1B | 10.0% | 1.32% | vs |
| Rosedale BankBank Nottingham, MD | 78 out of 100, Strong | $1.4B | 18.6% | 0.52% | vs |
| Middletown Valley BankBank Middletown, MD | 63 out of 100, Moderate | $1.2B | 9.2% | 0.12% | vs |
| Calvin B. Taylor Banking Company of Berlin, MarylandBank Berlin, MD | 81 out of 100, Strong | $1.0B | 13.6% | 0.83% | vs |
Deposit insurance
Is my money safe at Capital Bank, National Association?
Yes. Capital Bank, National Association is an FDIC-insured institution (FDIC certificate #35278). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 45.1% of deposits ($1.5B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.97%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.60% (benchmark: 10%).
8 locations
Branches
Capital Bank, National Association lists 7 offices in 7 cities across 6 states. Most locations:
- Columbia, MD (1)
- Fort Lauderdale, FL (1)
- North Riverside, IL (1)
- Raleigh, NC (1)
- Reston, VA (1)
- Rockville, MD (1)
- Washington, DC (1)
HMDA 2025
Mortgage lending
In 2025, Capital Bank, National Association reported 1,110 home-loan applications under HMDA (LEI 54930044OSTKOJMHF287): 814 originated ($395,040,000 total), 46 denied, and 246 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Capital Bank, National Association
- Former names
- Harbor Capital National Bank
- Type
- National bank
- FDIC certificate #
- 35278
- RSSD ID
- 2808602
- Primary regulator
- OCC
- Holding company
- Capital Bcorp Inc
- Established
- December 14, 1999
- Headquarters
- 2275 Research Blvd, Rockville, MD 20850
- Website
- www.capitalbankmd.com
- Employees
- 405
Quick answers
Capital Bank, National Association: common questions
Is Capital Bank, National Association FDIC insured?
Yes. Capital Bank, National Association is an FDIC-insured institution (FDIC certificate #35278). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Capital Bank, National Association's TellerScore?
46 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Capital Bank, National Association ever failed?
There is no failure record for FDIC certificate #35278 in the FDIC failed bank list.
How many branches does Capital Bank, National Association have?
8 offices as of the latest FDIC data, in 6 states.
Nearby
Highest-scoring banks and credit unions with branches near Rockville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mount Pleasant Baptist Church Federal Credit UnionCredit union Alexandria, VA | 100 out of 100, Very strong | $370K | 17.4% | 0.00% | vs |
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| None Suffer Lack Federal Credit UnionCredit union Suitland, MD | 99 out of 100, Very strong | $27.9M | 20.1% | 0.12% | vs |
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