BlastPoint's Banking Scorecard
The National Capital Bank of Washington
Washington, DC
4 branches across DC · MD · VA
The National Capital Bank of Washington has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.42% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.63% below tier average
- - Net Interest Margin 0.33% below tier average
- - Delinquency Rate 1.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$734.8M
+2.6% YoY
-3.7% QoQ
|
+$348.7M |
$386.1M
+0.5% YoY
|
$829.1M
+7.3% YoY
|
$6.2B
+9.1% YoY
|
Top 10.9% in tier |
| Total Loans ? |
$524.1M
+1.8% YoY
-2.1% QoQ
|
+$268.4M |
$255.7M
+1.1% YoY
|
$576.6M
+4.6% YoY
|
$3.2B
+10.8% YoY
|
Top 9.3% in tier |
| Total Deposits ? |
$653.8M
+5.1% YoY
-4.0% QoQ
|
+$325.9M |
$328.0M
+0.1% YoY
|
$679.0M
+12.7% YoY
|
$4.8B
+8.2% YoY
|
Top 9.4% in tier |
| Return on Assets ? |
0.64%
-37.1% YoY
-39.3% QoQ
|
-0.63% |
1.27%
+12.9% YoY
|
0.37%
+484.6% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
3.60%
-1.6% YoY
-2.8% QoQ
|
-0.33% |
3.93%
+6.0% YoY
|
3.54%
+5.2% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
57.87%
-10.1% YoY
-1.5% QoQ
|
-7.42% |
65.29%
-4.5% YoY
|
77.83%
-13.9% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
2.27%
+179.9% YoY
-12.3% QoQ
|
+1.38% |
0.89%
+18.8% YoY
|
2.48%
+139.7% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.0% in tier |
| Loan-to-Deposit Ratio ? |
80.15%
-3.2% YoY
+2.0% QoQ
|
+3.51% |
76.64%
+0.8% YoY
|
85.31%
-6.0% YoY
|
76.70%
+0.9% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
27.26%
-5.7% YoY
+4.9% QoQ
|
+5.24% |
22.02%
-1.0% YoY
|
21.25%
-1.8% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
1.62%
+177.7% YoY
-10.8% QoQ
|
+0.98% |
0.64%
+19.7% YoY
|
1.46%
+145.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.1% in tier |
| Tier 1 Capital Ratio ? |
16.28%
+3.0% YoY
+3.7% QoQ
|
+0.45% |
15.83%
+1.5% YoY
|
17.47%
-1.4% YoY
|
17.06%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.18%
+55.9% YoY
-62.8% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.10%
+17.6% YoY
|
0.32%
+4.1% YoY
|
81% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.