Total Assets
$3.5B
Total balance-sheet footings
FDIC Cert #35278 · Rockville, Maryland · Est. 1999
Capital Bank, National Association - FDIC Bank Health Profile
A community-scale look at Capital Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.5B
- Total assets
- B
- Health grade · Good
- 1.51%
- Return on assets
- 11.3%
- Tier 1 capital
Data updated July 2026
The verdict
Capital Bank, National Association earns a PlainBankData health grade of B (77/100), with well-capitalized at 11.34% Tier 1, profitable at 1.51% ROA, 64% efficiency ratio.
- #366
- largest of 4,313 FDIC banks by assets
- 92nd
- percentile by asset size, nationally
- 11.34%
- Tier 1 ratio - above the 10% well-capitalized line
- 75th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Capital Bank, National Association's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Capital Bank, National Association's composite health score
Tier 1 Capital Ratio (11.34%) 28/40
Return on Assets (ROA) (1.51%) 25/25
Texas Ratio (14.73%) 16/20
Efficiency Ratio (64.13%) 8/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.1B
Customer-funded liabilities
Net Loans
$2.9B
Outstanding loan book
Net Income
$50M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Capital Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Capital Bank, National Association's score of 77/100 falls in the highlighted band.
Capital Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Capital Bank, National Association's $3.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.34% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.34%
Texas Ratio
14.73%
Equity Capital
$335M
Profitability metrics
Return on Assets (ROA)
75th percentile nationally
1.51%
Return on Equity (ROE)
15.95%
Efficiency Ratio
64.13%
What the numbers say about Capital Bank, National Association
Capital Bank, National Association is an FDIC-insured institution (Certificate #35278) headquartered in Rockville, Maryland, established in 1999. It holds $3.5B in total assets - 366th of 4,313 FDIC-insured banks, $3.1B in customer deposits, and $2.9B in net loans. Looking at capital strength, Tier 1 stands at 11.34%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 14.73%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (77/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Capital Bank, National Association's asset base places it among the largest FDIC-insured institutions in the country, 366th of 4,313 nationally, and 5th of 28 banks headquartered in Maryland. Only CFG Bank ($5.7B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$258M
Interest Income
$31M
Non-Interest Income
$144M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Capital Bank, National Association reports a Texas Ratio of 14.73% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
14.73% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Maryland by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Capital Bank, National Association (FDIC Cert #35278) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Maryland
All Maryland banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| EagleBankBethesda | $10.4B | C | -1.20% |
| Forbright BankPotomac | $7.9B | B | 1.35% |
| Shore United Bank, National AssociationEaston | $6.3B | B | 1.08% |
| CFG BankLutherville | $5.7B | B | 1.43% |
| First United Bank & TrustOakland | $2.1B | A | 1.27% |
| Rosedale BankNottingham | $1.3B | B | 0.18% |
| Middletown Valley BankMiddletown | $1.1B | B | 0.90% |
| Presidential Bank, FSBBethesda | $1.1B | C | 0.44% |
Frequently asked questions
What is Capital Bank, National Association's health grade?▼
Capital Bank, National Association receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Capital Bank, National Association?▼
Capital Bank, National Association holds $3.5B in total assets and $3.1B in deposits, ranking 366th of 4,313 FDIC-insured banks by asset size. It is headquartered in Rockville, Maryland.
Is my money safe at Capital Bank, National Association?▼
Yes, deposits at Capital Bank, National Association (Certificate #35278) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Capital Bank, National Association's Tier 1 Capital Ratio?▼
Capital Bank, National Association has a Tier 1 Capital Ratio of 11.34%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Capital Bank, National Association?▼
Capital Bank, National Association has a Texas Ratio of 14.73%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Capital Bank, National Association?▼
Capital Bank, National Association has an Efficiency Ratio of 64.13%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Capital Bank, National Association's profile as a depositor or analyst.
- Capital Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Capital Bank, National Association against other Maryland banks before moving funds. Maryland banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.