National Capital Bank of Wa Safety Rating
National Capital Bank of Wa's safety rating is grade A, a Bank Health Score of 92/100 built from FDIC call report data. That ranks #551 out of 3,960 FDIC-insured banks nationally (top 14%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); National Capital Bank of Wa's best component is Tier 1 capital (100/100) and its weakest is profitability (66/100).
This page answers a common banking-safety question: National Capital Bank of Wa Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
National Capital Bank of Wa Safety Rating Breakdown
- Overall rating
- Grade A (92/100)
- National rank
- #551 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 100/100
- Liquidity (25%)
- 84/100
- Profitability (10%)
- 66/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places National Capital Bank of Wa among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 14% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.32% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 25.88% | 84/100 |
| Return on Assets | 1.14% | 66/100 |
| Total Assets | $0.7B | |
How does National Capital Bank of Wa compare?
With a Bank Health Score of 92/100, National Capital Bank of Wa sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within District of Columbia, where 4 FDIC-insured banks are headquartered, National Capital Bank of Wa ranks above the state average of 65/100 (Grade B).
The bank's Tier 1 capital ratio of 15.32% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, National Capital Bank of Wa's Bank Health Score held roughly steady at 92/100. Tier 1 capital was essentially flat at 15.32%. Quarter-over-quarter, the score rose by 2.0 points.
Frequently Asked Questions
National Capital Bank of Wa's safety rating is grade A, a Bank Health Score of 92/100 built from FDIC call report data. That ranks #551 out of 3,960 FDIC-insured banks nationally (top 14%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); National Capital Bank of Wa's best component is Tier 1 capital (100/100) and its weakest is profitability (66/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For National Capital Bank of Wa: Tier 1 capital scores 100/100, loan quality 100/100, liquidity 84/100, and profitability 66/100 — combining to 92/100 (grade A).
National Capital Bank of Wa's Bank Health Score of 92/100 is 27.0 points above the District of Columbia state average of 65/100. 4 FDIC-insured banks are headquartered in District of Columbia.
Yes. National Capital Bank of Wa (FDIC certificate #2093) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about National Capital Bank of Wa
National Capital Bank of Wa's safety rating is grade A, a Bank Health Score of 92/100 built from FDIC call report data. That ranks #551 out of 3,960 FDIC-insured banks nationally (top 14%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); National Capital Bank of Wa's best component is Tier 1 capital (100/100) and its weakest is profitability (66/100).