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Capital Bank, National Association

$1B-$10B Specialty: Commercial MD FDIC cert 35278

Rockville, MD

8 branches across MD · DC · FL · IL · NC · 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 885 banks in the $1B-$10B peer group nationwide — 1 of 10 in MD.
  • Deposits +14.8% year over year ($3.4B on the books).
  • Delinquency rate 2.09%.
  • Return on assets 1.24%.
  • Efficiency ratio 68.59% vs a 59.73% peer average.
  • Loan-to-deposit ratio 88.96% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 10 in MD
View $1B-$10B leaderboard (MD) →

Capital Bank, National Association has 1 strength but faces 4 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

  • + Deposit Franchise: Top 40.0% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 42.4% in tier
  • - Delinquency Rate 1.22% above tier average
  • - Nonperforming Asset Ratio 1.07% above tier average
  • - Efficiency Ratio 8.86% above tier average
Get updates when Capital Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Total Assets ? $3.8B
+15.3% YoY +2.2% QoQ
+$1.0B $2.8B
-0.6% YoY
$1.8B
+4.0% YoY
$6.3B
+7.7% YoY
79%
Total Loans ? $3.0B
+13.1% YoY +2.3% QoQ
+$1.1B $2.0B
-0.3% YoY
$1.3B
+3.8% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $3.4B
+14.8% YoY +2.4% QoQ
+$1.1B $2.3B
-0.5% YoY
$1.6B
+4.1% YoY
$4.9B
+7.3% YoY
81%
Return on Assets ? 1.24%
-15.1% YoY +7.1% QoQ
-0.15% 1.39%
+17.0% YoY
0.92%
+12.6% YoY
1.30%
+12.1% YoY
49%
Net Interest Margin ? 5.64%
-6.4% YoY -0.1% QoQ
+1.77% 3.87%
+6.2% YoY
3.72%
+5.0% YoY
3.95%
+4.9% YoY
Top 2.8% in tier
Efficiency Ratio ? 68.59%
+4.0% YoY -2.5% QoQ
+8.86% 59.73%
-12.6% YoY
67.38%
-3.5% YoY
70.05%
+2.5% YoY
24%
Delinquency Rate ? 2.09%
+51.9% YoY +6.1% QoQ
+1.22% 0.87%
+11.7% YoY
1.07%
+9.6% YoY
0.98%
+16.3% YoY
Bottom 8.3% in tier
Loan-to-Deposit Ratio ? 88.96%
-1.5% YoY -0.1% QoQ
+3.93% 85.04%
-0.1% YoY
87.38%
+1.5% YoY
79.03%
+2.3% YoY
45%
Non-Interest-Bearing Deposit Share ? 27.09%
-5.9% YoY +0.5% QoQ
+5.82% 21.27%
-1.5% YoY
20.47%
+3.3% YoY
21.98%
-0.6% YoY
77%
Nonperforming Asset Ratio ? 1.74%
+58.1% YoY +5.7% QoQ
+1.07% 0.67%
+11.7% YoY
0.90%
+8.0% YoY
0.69%
+15.8% YoY
Bottom 7.7% in tier
Tier 1 Capital Ratio ? 11.34%
-4.5% YoY +0.7% QoQ
-3.50% 14.84%
-0.4% YoY
16.33%
+1.1% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.47%
-7.4% YoY +95.7% QoQ
-0.05% 0.53%
+2.5% YoY
0.25%
+1.8% 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 (MD) National Avg Tier Percentile
Noninterest-Bearing 27.1%
-1.7pp YoY
+0.1pp QoQ
 +5.7pp 21.4% 21.3% 22.2% 77%
Brokered Deposits 6.8%
-2.2pp YoY
-2.3pp QoQ
 -2.7pp 9.5% 10.7% 8.5% 58%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
C&I 24.2%
+2.1pp YoY
-0.5pp QoQ
 +10.2pp 14.0% 8.9% 12.5% 87%
CRE 51.1%
-2.0pp YoY
+0.4pp QoQ
 +1.0pp 50.0% 50.0% 41.4% 55%
1-4 Family 20.0%
-0.5pp YoY
-0.3pp QoQ
 -6.5pp 26.4% 37.9% 31.3% 42%
Consumer 4.8%
0.0pp YoY
+0.2pp QoQ
 +0.1pp 4.7% 3.2% 5.0% 81%

Capital

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
CET1 Ratio 11.3%
-0.5pp YoY
+0.1pp QoQ
 -4.3pp 15.6% 16.4% 19.7% 14%
Leverage Ratio 9.0%
-0.4pp YoY
0.0pp QoQ
 -2.3pp 11.3% 13.0% 12.6% 11%
Total Capital Ratio 12.6%
-0.5pp YoY
+0.1pp QoQ
 -4.1pp 16.7% 17.5% 20.8% 16%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Full-Time Employees 405
-16 (-3.8%) YoY
-66 (-14.0%) QoQ
 +91 313 170 482 78%
Assets per Employee ($) $9.5M
+19.9% YoY
+18.8% QoQ
 -$1.0M $10.5M $9.4M $8.8M 60%
Branch Count 8
0 YoY
0 QoQ
 -12 20 9 18 20%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.2pp YoY
+0.1pp QoQ
 +0.1pp 0.2% 0.2% 0.4% 89%
Nonaccrual 1.9%
+0.5pp YoY
0.0pp QoQ
 +1.0pp 0.8% 1.1% 1.0% 91%
Allowance Coverage 0.85x
-33.1% YoY
-8.3% QoQ
 -17.86x 18.71x 46.66x 20.23x 18%
Net Charge-off Rate (YTD) 0.5%
-0.1pp YoY
+0.1pp QoQ
 +0.2pp 0.3% 0.1% 0.2% 90%

Profitability

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
ROE 13.5%
-2.1pp YoY
+1.0pp QoQ
 +0.9pp 12.6% 8.0% 11.6% 62%
Cost of Funds (YTD) 2.1%
0.0pp YoY
0.0pp QoQ
 +0.2pp 1.9% 1.9% 1.7% 68%
Net Income ($, YTD) $23.1M
-3.0% YoY
— QoQ
 +$3.8M $19.2M $8.4M $40.4M 74%

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 (1)

Deposit Franchise

growth
#33 of 80 • Top 40.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 27.09%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.64%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Margin Compression

decline
#37 of 85 • Bottom 42.4% 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: 1.24%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
85 of 85 Mid-Market 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

26
Net Interest Margin
profitability
Value: 5.64%
Peer Median: 3.87%
#26 of 885 Top 2.8% in $1B-$10B
156
Total Loans
size
Value: $3.02B
Peer Median: $1.96B
#156 of 885 Top 17.5% in $1B-$10B
172
Total Deposits
size
Value: $3.39B
Peer Median: $2.32B
#172 of 885 Top 19.3% in $1B-$10B
186
Total Assets
size
Value: $3.84B
Peer Median: $2.79B
#186 of 885 Top 20.9% in $1B-$10B
193
Non-Interest Income / Assets
revenue_mix
Value: 0.47%
Peer Median: 0.53%
#193 of 885 Top 21.7% in $1B-$10B
203
Non-Interest-Bearing Deposit Share
funding
Value: 27.09%
Peer Median: 21.27%
#203 of 885 Top 22.8% in $1B-$10B

Top Weaknesses (4 metrics)

818
Nonperforming Asset Ratio
credit_quality
Value: 1.74%
Peer Median: 0.67%
#818 of 885 Bottom 7.7% in $1B-$10B
810
Delinquency Rate
credit_quality
Value: 2.09%
Peer Median: 0.87%
#810 of 882 Bottom 8.3% in $1B-$10B
681
Tier 1 Capital Ratio
capital
Value: 11.34%
Peer Median: 14.84%
#681 of 885 Bottom 23.2% in $1B-$10B
677
Efficiency Ratio
profitability
Value: 68.59%
Peer Median: 59.73%
#677 of 885 Bottom 23.6% in $1B-$10B
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