Total Assets
$763M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
The National Capital Bank of Washington — FDIC Bank Health Profile
Washington, District Of Columbia · Est. 1889. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) National Bank FDIC Cert #2093 New York Region
B
Health grade
Good
Score: 72/100
Basel III capital ratios — The National Capital Bank of Washington
Total Deposits
$681M
Customer-funded liabilities
Net Loans
$535M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
15.70% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
15.70%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$78M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.05%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
10.24%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
58.72%
Income & Expense Breakdown
$35M
Interest Income
$4M
Non-Interest Income
$17M
Non-Interest Expense
FDIC Deposit Insurance
The National Capital Bank of Washington is FDIC-insured (Certificate #2093). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About The National Capital Bank of Washington
The National Capital Bank of Washington is an FDIC-insured institution (Certificate #2093) headquartered in Washington, District Of Columbia, established in 1889. The bank currently holds $763M in total assets and $681M in customer deposits, with $535M deployed as loans. It operates as a Nationally chartered (OCC) (National Bank) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, The National Capital Bank of Washington reports a Tier 1 Capital Ratio of 15.70% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $78M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.05% and a Return on Equity of 10.24%, with an Efficiency Ratio of 58.72% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of B (72/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at The National Capital Bank of Washington is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in District Of Columbia by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data The National Capital Bank of Washington (FDIC Cert #2093) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 District Of Columbia
All District Of Columbia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City First Bank, National Association Washington | $1.3B | F | -1.82% |
| Industrial Bank Washington | $773M | D | -0.08% |
| Founders Bank Washington | $357M | F | 0.55% |
Frequently Asked Questions
What is The National Capital Bank of Washington's health grade? ▼
The National Capital Bank of Washington receives a health grade of B (72/100) 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 The National Capital Bank of Washington? ▼
The National Capital Bank of Washington holds $763M in total assets and $681M in deposits. It is headquartered in Washington, District Of Columbia.
Is my money safe at The National Capital Bank of Washington? ▼
Yes. The National Capital Bank of Washington is FDIC-insured (Certificate #2093). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is The National Capital Bank of Washington's Tier 1 Capital Ratio? ▼
The National Capital Bank of Washington has a Tier 1 Capital Ratio of 15.70%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is The National Capital Bank of Washington? ▼
The National Capital Bank of Washington has an Efficiency Ratio of 58.72%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.