National Capital Bank of Wa
Washington, District of Columbia · FDIC Cert #2093
National Capital Bank of Wa is an FDIC-insured bank (Certificate #2093) with $716M in total assets and $610M in total deposits as of the Q2 2024 Call Report. Headquartered in Washington, District of Columbia, the bank maintains a Tier 1 capital ratio of 15.32% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (92/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
National Capital Bank of Wa (FDIC cert 2093) is a community bank — $716M in total assets, $610M in deposits, serving the Washington, District of Columbia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 15.32% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 25.9% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.14% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. National Capital Bank of Wa carries a composite BankHealth grade of A (92/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: National Capital Bank of Wa
- Total Assets
- $716M
- Total Deposits
- $610M
- Tier 1 Capital Ratio
- 15.32%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 25.88%
- Return on Assets
- 1.14%
- Headquarters
- Washington, District of Columbia
- FDIC Certificate
- #2093
- Health Grade
- A (92/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, National Capital Bank of Wa holds a Tier 1 capital ratio of 15.32%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning National Capital Bank of Wa has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
National Capital Bank of Wa shows strong financial health indicators. With $716M in assets and a Health Score of 92/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How National Capital Bank of Wa Compares
National Capital Bank of Wa’s Health Score of 92 is 27 points above the District of Columbia state average of 65 across 4 FDIC-insured banks. Its 15.32% Tier 1 capital ratio is 1.3 points above the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.14% is in line with or above the national ROA benchmark of ~1.1%. Among 1247 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, National Capital Bank of Wa is 22 points above the portfolio average of 70.
Frequently Asked Questions
National Capital Bank of Wa has a Bank Health Score of A (92/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 15.32%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. National Capital Bank of Wa's Tier 1 capital ratio of 15.32% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at National Capital Bank of Wa is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #2093). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
National Capital Bank of Wa holds $716M in total assets and $610M in total deposits. It is headquartered in Washington, District of Columbia (FDIC Certificate #2093).
National Capital Bank of Wa has a Tier 1 capital ratio of 15.32%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 1.14%.
Yes. National Capital Bank of Wa is FDIC-insured (Certificate #2093). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
National Capital Bank of Wa's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.