National Capital Bank Of Wa (FDIC #2093): Bank Stress & Real-Estate Credit Exposure

National Capital Bank Of Wa (FDIC Cert #2093): bank stress 70/100, elevated, STABLE over 7 days; parent NATIONAL CAPITAL BCORP INC.

National Capital Bank Of Wa (#2093) lends in 3 counties across 3 states; National Capital Bank Of Wa (#2093) reaches 122 ZIP codes: District of Columbia 1 county, 57 ZIPs; Maryland 1 county, 53 ZIPs; Virginia 1 county, 12 ZIPs.

National Capital Bank Of Wa (#2093) largest markets: District Of Columbia County, DC (114 branches, 57 ZIPs) (#2093), Montgomery County, MD (53 branches, 53 ZIPs) (#2093), Arlington County, VA (12 branches, 12 ZIPs) (#2093).

National Capital Bank Of Wa (#2093) reports $742.2 million in total assets; National Capital Bank Of Wa (#2093) equity $80.7 million (10.9% of National Capital Bank Of Wa (#2093) assets); National Capital Bank Of Wa (#2093) domestic deposits $659.2 million; National Capital Bank Of Wa (#2093) net income $3.3 million; National Capital Bank Of Wa (#2093) return on assets 0.89%; National Capital Bank Of Wa (#2093) return on equity 8.40%; National Capital Bank Of Wa (#2093) net interest income $13.1 million; National Capital Bank Of Wa (#2093) call report June 30, 2026.

National Capital Bank Of Wa (#2093) noncurrent real-estate loans 0.92% of its book; National Capital Bank Of Wa (#2093) net charge-offs on real estate 2.53%; National Capital Bank Of Wa (#2093) residential charge-offs 0.74%.

National Capital Bank Of Wa (#2093) net interest margin 3.67% against an eight-quarter National Capital Bank Of Wa (#2093) average of 3.60% (National Capital Bank Of Wa (#2093) compression -0.07 points); National Capital Bank Of Wa (#2093) real-estate loans 92.2% of equity; National Capital Bank Of Wa (#2093) non-residential real estate 74.4% of equity; National Capital Bank Of Wa (#2093) rate-exposure score 40/100, National Capital Bank Of Wa (#2093) fixed-rate trap 40/100; National Capital Bank Of Wa (#2093) risk type credit driven; National Capital Bank Of Wa (#2093) rate regime rates elevated, National Capital Bank Of Wa (#2093) snapshot October 20, 2026.

National Capital Bank Of Wa (#2093) stress score moved from 73.5 on June 22, 2026 to 69.6 on October 20, 2026; National Capital Bank Of Wa (#2093) ranged 69.6 to 73.5 over 117 snapshots.

National Capital Bank Of Wa (#2093) alerts: 3 counties; top National Capital Bank Of Wa (#2093) alert scores: Arlington County, DC 23 (low); Bethesda County, DC 23 (low); Washington County, DC 23 (low).