Total Assets
$763M
Total balance-sheet footings
FDIC Cert #2093 · Washington, District Of Columbia · Est. 1889
The National Capital Bank of Washington - FDIC Bank Health Profile
A community-scale look at The National Capital Bank of Washington's own numbers, pulled straight from its quarterly FDIC Call Report.
- $763M
- Total assets
- A
- Health grade · Excellent
- 1.05%
- Return on assets
- 15.7%
- Tier 1 capital
Data updated July 2026
The verdict
The National Capital Bank of Washington earns a PlainBankData health grade of A (82/100), with well-capitalized at 15.70% Tier 1, profitable at 1.05% ROA, efficient (59% cost ratio).
- #1,303
- largest of 4,313 FDIC banks by assets
- 70th
- percentile by asset size, nationally
- 15.70%
- Tier 1 ratio - above the 10% well-capitalized line
- 46th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The National Capital Bank of Washington's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The National Capital Bank of Washington's composite health score
Tier 1 Capital Ratio (15.70%) 40/40
Return on Assets (ROA) (1.05%) 20/25
Texas Ratio (16.30%) 10/20
Efficiency Ratio (58.72%) 12/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$681M
Customer-funded liabilities
Net Loans
$535M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The National Capital Bank of Washington ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The National Capital Bank of Washington's score of 82/100 falls in the highlighted band.
The National Capital Bank of Washington'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). The National Capital Bank of Washington's $763M falls in the highlighted band.
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
15.70%
Texas Ratio
16.30%
Equity Capital
$78M
Profitability metrics
Return on Assets (ROA)
46th percentile nationally
1.05%
Return on Equity (ROE)
10.24%
Efficiency Ratio
58.72%
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. It holds $763M in total assets - 1,303rd of 4,313 FDIC-insured banks, $681M in customer deposits, and $535M in net loans. Its capital position: a Tier 1 ratio of 15.70%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 16.30% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (82 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The National Capital Bank of Washington sits 3rd of 4 banks headquartered in District Of Columbia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$35M
Interest Income
$4M
Non-Interest Income
$17M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The National Capital Bank of Washington reports a Texas Ratio of 16.30% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
16.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in District Of Columbia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The National Capital Bank of Washington (FDIC Cert #2093) - 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 District Of Columbia
All District Of Columbia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City First Bank, National AssociationWashington | $1.3B | C | -1.85% |
| Industrial BankWashington | $773M | C | -0.09% |
| Founders BankWashington | $357M | B | 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 A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The National Capital Bank of Washington?▼
The National Capital Bank of Washington holds $763M in total assets and $681M in deposits, ranking 1,303rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Washington, District Of Columbia.
Is my money safe at The National Capital Bank of Washington?▼
Yes, deposits at The National Capital Bank of Washington (Certificate #2093) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
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%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The National Capital Bank of Washington?▼
The National Capital Bank of Washington has a Texas Ratio of 16.30%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The National Capital Bank of Washington?▼
The National Capital Bank of Washington has an Efficiency Ratio of 58.72%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The National Capital Bank of Washington's profile as a depositor or analyst.
- The National Capital Bank of Washington's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The National Capital Bank of Washington against other District Of Columbia banks before moving funds. District Of Columbia 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.