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
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).
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.
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.
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%).