Safest Banks in District of Columbia 2026
District of Columbia has 4 FDIC-insured banks with an average Bank Health Score of 65/100 (B). The safest bank is National Capital Bank of Wa with a score of 92/100.
Data from FDIC Q2 2024
4 District of Columbia banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
District of Columbia's 4 FDIC-insured banks hold a combined $3.1B in assets. Their average Bank Health Score of 65/100 sits 5.0 points below the national average of 70/100. Across the state, 50% of banks earn an A or B grade for financial health, while 25% fall to a D or F.
The largest bank headquartered in District of Columbia is City First Bank NA with $1.4B in assets and a Bank Health Score of 53/100. The strongest by score is National Capital Bank of Wa in Washington (92/100, Tier 1 capital 15.32%). The weakest is Founders Bank at 45/100, dragged down by an NPL ratio of 0.00%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in District of Columbia
National Capital Bank of Wa
Washington, DC
District of Columbia's top-rated bank, with a Tier 1 capital ratio of 15.32% — well above the federal "well-capitalized" threshold of 8%. Holds $716M in assets.
Industrial Bank
Washington, DC
Second-strongest in the state on capital and loan quality. NPL ratio sits at 3.34% with $739M in total assets.
City First Bank NA
Washington, DC
Third in the rankings on the Bank Health Score. Liquidity ratio of 25.63% and ROA of 0.09%.
Top 4 Banks in District of Columbia
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | National Capital Bank of Wa | Washington | A | 92 | 15.32% | 0.00% |
| 2 | Industrial Bank | Washington | B | 71 | 26.64% | 3.34% |
| 3 | City First Bank NA | Washington | C | 53 | 0.00% | 0.03% |
| 4 | Founders Bank | Washington | D | 45 | 0.00% | 0.00% |
Bank Health Scores for District of Columbia are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, National Capital Bank of Wa in Washington is currently the safest bank in District of Columbia with a score of 92/100 (Grade A). It posts a Tier 1 capital ratio of 15.32% and a nonperforming loan ratio of 0.00%.
District of Columbia has 4 FDIC-insured banks with a combined $3.1B in total assets. The average Bank Health Score across the state is 65/100 (Grade B).
District of Columbia's average Bank Health Score of 65/100 is 5.0 points below the national average of 70/100. 50% of banks in District of Columbia earn an A or B grade, compared with the national average grade of B.
Of 4 FDIC-insured banks headquartered in District of Columbia, 1 earn an A, 1 a B, 1 a C, 1 a D, and 0 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).