The National Capital Bank of Washington is a national bank headquartered in Washington, District of Columbia, in business for about 137 years. At the end of Q2 2026 it reported $742.2M in total assets and $659.2M in deposits, with 4 offices across 3 states.
Based on its Q2 2026 filing, The National Capital Bank of Washington scores 55/100, which we describe as moderate. That is higher than only 11% of 2,650 banks with $100 million – $1 billion. Among 4 banks headquartered in District of Columbia, it ranks 3rd. Its strongest component is problem-loan coverage (73/100; 13.5%), and its lowest is loan quality (23/100; 2.32%).
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 15 points (70 → 55), mostly because the loan quality component weakened by 50 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 72 |
| Q4 2024 | 68 |
| Q1 2025 | 68 |
| Q2 2025 | 70 |
| Q3 2025 | 65 |
| Q4 2025 | 52 |
| Q1 2026 | 51 |
| Q2 2026 | 55 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.65% |
| Q3 2024 | 10.66% |
| Q4 2024 | 10.98% |
| Q1 2025 | 11.44% |
| Q2 2025 | 11.81% |
| Q3 2025 | 11.47% |
| Q4 2025 | 11.34% |
| Q1 2026 | 11.34% |
| Q2 2026 | 11.69% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.80% |
| Q2 2025 | 0.82% |
| Q3 2025 | 1.27% |
| Q4 2025 | 2.55% |
| Q1 2026 | 2.24% |
| Q2 2026 | 2.32% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.84% |
| Q3 2024 | 0.91% |
| Q4 2024 | 0.98% |
| Q1 2025 | 1.01% |
| Q2 2025 | 1.09% |
| Q3 2025 | 1.08% |
| Q4 2025 | 1.05% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $742.2M | 11.69% | 2.32% | 0.89% | 75.5% |
| Q1 2026 | 51 | $734.8M | 11.34% | 2.24% | 0.64% | 80.2% |
| Q4 2025 | 52 | $763.3M | 11.34% | 2.55% | 1.05% | 78.6% |
| Q3 2025 | 65 | $726.7M | 11.47% | 1.27% | 1.08% | 82.2% |
| Q2 2025 | 70 | $702.0M | 11.81% | 0.82% | 1.09% | 82.0% |
| Q1 2025 | 68 | $716.2M | 11.44% | 0.80% | 1.01% | 82.8% |
| Q4 2024 | 68 | $714.0M | 10.98% | 0.61% | 0.98% | 81.3% |
| Q3 2024 | 72 | $717.7M | 10.66% | 0.00% | 0.91% | 84.5% |
| Q2 2024 | 72 | $715.5M | 10.65% | 0.00% | 0.84% | 81.7% |
2,650 peers · $100 million – $1 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 District of Columbia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Industrial BankBank Washington, DC | 52 out of 100, Below average | $774.2M | 15.2% | 6.56% | vs |
| Founders BankBank Washington, DC | 77 out of 100, Strong | $406.0M | 14.2% | 0.00% | vs |
Deposit insurance
Is my money safe at The National Capital Bank of Washington?
Yes. The National Capital Bank of Washington is an FDIC-insured institution (FDIC certificate #2093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.3% of deposits ($193.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.69%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.60% (benchmark: 10%).
4 locations
Branches
The National Capital Bank of Washington lists 4 offices in 3 cities across 3 states. Most locations:
- Washington, DC (2)
- Arlington, VA (1)
- Bethesda, MD (1)
HMDA 2025
Mortgage lending
In 2025, The National Capital Bank of Washington reported 31 home-loan applications under HMDA (LEI 549300YUWQTVWWH3TM22): 30 originated ($35,460,000 total), 0 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
- The National Capital Bank of Washington
- Type
- National bank
- FDIC certificate #
- 2093
- RSSD ID
- 791821
- Primary regulator
- OCC
- Holding company
- National Capital Bcorp Inc
- Established
- August 30, 1889
- Headquarters
- 316 Pennsylvania Ave Se, Washington, DC 20003
- Website
- www.nationalcapitalbank.bank
- Employees
- 64
Quick answers
The National Capital Bank of Washington: common questions
Is The National Capital Bank of Washington FDIC insured?
Yes. The National Capital Bank of Washington is an FDIC-insured institution (FDIC certificate #2093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The National Capital Bank of Washington's TellerScore?
55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The National Capital Bank of Washington ever failed?
There is no failure record for FDIC certificate #2093 in the FDIC failed bank list.
How many branches does The National Capital Bank of Washington have?
4 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Washington
| 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 |
| Angelina County Teachers Credit UnionCredit union Lufkin, TX | 100 out of 100, Very strong | $12.9M | 18.4% | 0.04% | vs |
| None Suffer Lack Federal Credit UnionCredit union Suitland, MD | 99 out of 100, Very strong | $27.9M | 20.1% | 0.12% | vs |
| Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL | 99 out of 100, Very strong | $2.2M | 23.1% | 0.08% | vs |
| Lee Federal Credit UnionCredit union Washington, DC | 99 out of 100, Very strong | $5.5M | 50.7% | 0.00% | vs |
| Christiansted Federal Credit UnionCredit union Christiansted, VI | 98 out of 100, Very strong | $34.0M | 20.6% | 0.23% | vs |