The National Capital Bank of Washington

Chartered Bank Active FDIC Insured
Health Score
7.7 / 10

316 Pennsylvania Ave Se, Washington, DC 20003

Financial Overview

Total Assets $734.8M
Total Deposits $653.8M
Profitability (ROA) 0.64%
Shareholder Return (ROE) 6.07%
Capital Cushion (Eq/Assets) 10.73%
Established 08/30/1889

Financial Health Analysis

The National Capital Bank of Washington is a currently active commercial lending specialization banking institution headquartered in Washington, District Of Columbia. Established in 08/30/1889, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, The National Capital Bank of Washington manages $734.8M in total assets and holds $653.8M in customer deposits. When evaluating the stability of The National Capital Bank of Washington, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 10.73%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.64%, while its Return on Equity (ROE) sits at 6.07%. These metrics result in a moderate health score of 7.7 out of 10, suggesting standard financial stability and adequate capital levels in line with industry averages.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$163.5M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: www.nationalcapitalbank.bank

FDIC Certificate #: 2093

Specialization: Commercial Lending Specialization

Location

316 Pennsylvania Ave Se

Washington, District Of Columbia 20003

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