BlastPoint's Banking Scorecard
Capital Bank, National Association
Rockville, MD
8 branches across MD · DC · FL · IL · NC · VA
Capital Bank, National Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 39.5% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 45.2% in tier
- - Delinquency Rate 1.08% above tier average
- - Nonperforming Asset Ratio 0.98% above tier average
- - Efficiency Ratio 9.27% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.8B
+14.4% YoY
+5.9% QoQ
|
+$940.7M |
$2.8B
-0.1% YoY
|
$1.8B
+4.9% YoY
|
$6.2B
+9.1% YoY
|
78% |
| Total Loans ? |
$3.0B
+12.7% YoY
+2.2% QoQ
|
+$985.3M |
$2.0B
+0.6% YoY
|
$1.3B
+7.3% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$3.3B
+14.1% YoY
+6.7% QoQ
|
+$970.7M |
$2.3B
-0.3% YoY
|
$1.6B
+7.4% YoY
|
$4.8B
+8.2% YoY
|
80% |
| Return on Assets ? |
1.16%
-23.6% YoY
-23.1% QoQ
|
-0.21% |
1.37%
+19.6% YoY
|
0.90%
+4.7% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
5.64%
-5.7% YoY
-8.4% QoQ
|
+1.83% |
3.82%
+6.9% YoY
|
3.69%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Top 3.1% in tier |
| Efficiency Ratio ? |
70.33%
+6.5% YoY
+9.7% QoQ
|
+9.27% |
61.06%
-4.6% YoY
|
68.69%
-3.5% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
1.97%
+18.1% YoY
-0.6% QoQ
|
+1.08% |
0.89%
+14.1% YoY
|
1.00%
+1.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.9% in tier |
| Loan-to-Deposit Ratio ? |
89.02%
-1.3% YoY
-4.3% QoQ
|
+4.82% |
84.20%
+0.3% YoY
|
87.36%
+2.8% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
26.97%
-5.1% YoY
-3.2% QoQ
|
+5.68% |
21.29%
-2.5% YoY
|
20.21%
-0.6% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
1.65%
+24.0% YoY
-4.2% QoQ
|
+0.98% |
0.67%
+15.6% YoY
|
0.86%
+7.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.0% in tier |
| Tier 1 Capital Ratio ? |
11.26%
-3.5% YoY
-0.7% QoQ
|
-3.90% |
15.16%
+2.0% YoY
|
16.27%
-0.9% YoY
|
17.06%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.24%
-3.4% YoY
-72.2% QoQ
|
-0.02% |
0.26%
+1.6% YoY
|
0.12%
-21.7% YoY
|
0.32%
+4.1% YoY
|
79% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.