BlastPoint's Banking Scorecard

The National Capital Bank of Washington

$100M-$1B Specialty: Commercial DC FDIC cert 2093

Washington, DC

4 branches across DC · MD · VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 3 in DC.
Deposits +7.3% year over year ($659.2M on the books).
Delinquency rate 2.35%.
Return on assets 0.89%.
Efficiency ratio 59.94% vs a 64.48% peer average.
Loan-to-deposit ratio 75.52% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 3 in DC

View $100M-$1B leaderboard (DC) →

The National Capital Bank of Washington has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 4.54% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 23.1% in tier
- Delinquency Rate 1.43% above tier average
- Net Interest Margin 0.32% below tier average

Get updates when The National Capital Bank of Washington releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Total Assets ?	$742.2M +5.7% YoY +1.0% QoQ	+$355.6M	$386.6M +1.2% YoY	$871.1M +13.4% YoY	$6.3B +7.7% YoY	Top 10.4% in tier
Total Loans ?	$497.8M -1.1% YoY -5.0% QoQ	+$239.4M	$258.3M +1.7% YoY	$589.9M +7.3% YoY	$3.2B +9.4% YoY	Top 11.4% in tier
Total Deposits ?	$659.2M +7.3% YoY +0.8% QoQ	+$332.4M	$326.7M +0.7% YoY	$695.9M +14.8% YoY	$4.9B +7.3% YoY	Top 9.0% in tier
Return on Assets ?	0.89% -18.4% YoY +40.0% QoQ	-0.43%	1.32% +10.8% YoY	0.44% +153.0% YoY	1.30% +12.1% YoY	28%
Net Interest Margin ?	3.67% -0.7% YoY +1.9% QoQ	-0.32%	3.99% +5.0% YoY	3.57% +4.4% YoY	3.95% +4.9% YoY	35%
Efficiency Ratio ?	59.94% -3.6% YoY +3.6% QoQ	-4.54%	64.48% -3.2% YoY	74.74% -12.2% YoY	70.05% +2.5% YoY	57%
Delinquency Rate ?	2.35% +184.1% YoY +3.8% QoQ	+1.43%	0.92% +15.7% YoY	2.53% +84.3% YoY	0.98% +16.3% YoY	Bottom 9.8% in tier
Loan-to-Deposit Ratio ?	75.52% -7.9% YoY -5.8% QoQ	-2.44%	77.95% +1.0% YoY	84.15% -6.7% YoY	79.03% +2.3% YoY	59%
Non-Interest-Bearing Deposit Share ?	28.05% -3.7% YoY +2.9% QoQ	+6.02%	22.03% -0.6% YoY	21.36% -2.9% YoY	21.98% -0.6% YoY	76%
Nonperforming Asset Ratio ?	1.58% +165.6% YoY -2.4% QoQ	+0.91%	0.67% +16.4% YoY	1.45% +78.5% YoY	0.69% +15.8% YoY	Bottom 11.2% in tier
Tier 1 Capital Ratio ?	17.35% +5.8% YoY +6.6% QoQ	+1.44%	15.91% +1.4% YoY	17.59% -1.5% YoY	17.09% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.34% +38.5% YoY +88.6% QoQ	-0.23%	0.57% +7.6% YoY	0.21% +22.1% YoY	0.66% +5.2% YoY	78%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Noninterest-Bearing	28.0% -1.1pp YoY +0.8pp QoQ	+5.9pp	22.1%	21.4%	22.2%	76%
Brokered Deposits	n/a	n/a	7.9%	11.8%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
C&I	8.1% -0.2pp YoY +0.9pp QoQ	-3.4pp	11.6%	11.7%	12.5%	41%
CRE	61.5% +4.0pp YoY -1.1pp QoQ	+21.9pp	39.5%	70.2%	41.4%	86%
1-4 Family	31.6% -3.8pp YoY +0.3pp QoQ	-1.1pp	32.6%	19.5%	31.3%	55%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	0.1%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
CET1 Ratio	17.4% +1.0pp YoY +1.1pp QoQ	-1.5pp	18.8%	21.5%	19.7%	65%
Leverage Ratio	11.7% -0.1pp YoY +0.4pp QoQ	-0.5pp	12.2%	13.6%	12.6%	61%
Total Capital Ratio	18.6% +1.0pp YoY +1.1pp QoQ	-1.3pp	19.9%	22.7%	20.8%	66%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Full-Time Employees	64 +1 (+1.6%) YoY -2 (-3.0%) QoQ	+5	58	86	482	66%
Assets per Employee ($)	$11.6M +4.1% YoY +4.2% QoQ	+$4.1M	$7.5M	$10.6M	$8.8M	92%
Branch Count	4 0 YoY 0 QoQ	-1	4	4	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	1.6%	0.4%	n/a
Nonaccrual	2.4% +1.5pp YoY +0.1pp QoQ	+1.4pp	0.9%	2.8%	1.0%	90%
Allowance Coverage	0.52x -65.1% YoY +1.0% QoQ	-23.63x	24.15x	0.65x	20.23x	11%
Net Charge-off Rate (YTD)	0.9% -0.8pp QoQ	+0.8pp	0.1%	0.7%	0.2%	97%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
ROE	8.4% -2.3pp YoY +2.3pp QoQ	-3.8pp	12.2%	3.7%	11.6%	28%
Cost of Funds (YTD)	1.2% -0.1pp YoY -0.1pp QoQ	-0.5pp	1.7%	1.7%	1.7%	19%
Net Income ($, YTD)	$3.3M -14.2% YoY — QoQ	+$775K	$2.6M	$1.7M	$40.4M	73%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#72 of 307 • Bottom 23.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.89%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

238

Total Deposits

size

Value: $659.16M

Peer Median: $326.73M

#238 of 2643 Top 9.0% in $100M-$1B

276

Total Assets

size

Value: $742.18M

Peer Median: $386.57M

#276 of 2643 Top 10.4% in $100M-$1B

303

Total Loans

size

Value: $497.77M

Peer Median: $258.35M

#303 of 2643 Top 11.4% in $100M-$1B

578

Tier 1 Capital Ratio

capital

Value: 17.35%

Peer Median: 15.91%

#578 of 2643 Top 21.8% in $100M-$1B

587

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.57%

#587 of 2643 Top 22.2% in $100M-$1B

627

Non-Interest-Bearing Deposit Share

funding

Value: 28.05%

Peer Median: 22.03%

#627 of 2643 Top 23.7% in $100M-$1B

Top Weaknesses (2 metrics)

2376

Delinquency Rate

credit_quality

Value: 2.35%

Peer Median: 0.92%

#2376 of 2633 Bottom 9.8% in $100M-$1B

2347

Nonperforming Asset Ratio

credit_quality

Value: 1.58%

Peer Median: 0.67%

#2347 of 2643 Bottom 11.2% in $100M-$1B