BlastPoint's Banking Scorecard
The National Capital Bank of Washington
Community
Specialty: Commercial
DC
FDIC cert 2093
Washington, DC
1484
banks in Community tier nationally
3 in DC
View Community leaderboard (DC) →
The National Capital Bank of Washington faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.95% above tier
- - Nonperforming Asset Ratio 1.31% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$763.3M
+6.9% YoY
+5.0% QoQ
|
-$628.2M |
$1.4B
+2.0% YoY
|
$808.9M
+3.0% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$535.3M
+4.3% YoY
+0.8% QoQ
|
-$440.2M |
$975.5M
+2.4% YoY
|
$563.7M
+3.3% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$681.0M
+8.0% YoY
+5.4% QoQ
|
-$483.6M |
$1.2B
+1.7% YoY
|
$641.5M
+8.7% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
1.05%
+7.2% YoY
-3.1% QoQ
|
-0.11% |
1.16%
+17.2% YoY
|
-0.08%
-115.1% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.70%
+8.3% YoY
-0.4% QoQ
|
+0.04% |
3.66%
+9.1% YoY
|
3.49%
+5.0% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
58.72%
-6.1% YoY
-2.2% QoQ
|
-3.91% |
62.63%
-5.3% YoY
|
78.50%
-4.0% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
2.58%
+316.3% YoY
+100.9% QoQ
|
+1.95% |
0.63%
+18.3% YoY
|
2.27%
+111.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
78.60%
-3.4% YoY
-4.4% QoQ
|
-4.46% |
83.06%
+0.3% YoY
|
87.82%
-4.4% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
25.98%
-7.4% YoY
-5.6% QoQ
|
+4.93% |
21.05%
-0.9% YoY
|
20.86%
-11.5% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
1.81%
+306.4% YoY
+92.8% QoQ
|
+1.31% |
0.50%
+20.3% YoY
|
1.32%
+116.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
15.70%
-0.2% YoY
+0.3% QoQ
|
+5.46% |
10.24%
-0.6% YoY
|
10.31%
-1.8% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.48%
+4.1% YoY
+26.7% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.34%
+7.4% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Community
Why this stands out
Current:
2.58%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
1.81%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Tier 1 Capital Ratio
Current: 15.70% · Tier avg: 10.24%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 25.98% · Tier avg: 21.05%
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.60% · Tier avg: 83.06%
62
62th pctile
Efficiency Ratio
Current: 58.72% · Tier avg: 62.63%
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
43
43th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
36
36th pctile
Total Deposits
Current: $681.0M · Tier avg: $1.2B
35
35th pctile
Total Loans
Current: $535.3M · Tier avg: $975.5M
32
32th pctile
Total Assets
Current: $763.3M · Tier avg: $1.4B
7
7th pctile
Nonperforming Asset Ratio
Current: 1.81% · Tier avg: 0.50%
6
6th pctile
Delinquency Rate
Current: 2.58% · Tier avg: 0.63%
Top Weaknesses
6
6th pctile
Delinquency Rate
Current: 2.58% · Tier avg: 0.63%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.81% · Tier avg: 0.50%
32
32th pctile
Total Assets
Current: $763.3M · Tier avg: $1.4B
35
35th pctile
Total Loans
Current: $535.3M · Tier avg: $975.5M
36
36th pctile
Total Deposits
Current: $681.0M · Tier avg: $1.2B
43
43th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
62
62th pctile
Efficiency Ratio
Current: 58.72% · Tier avg: 62.63%
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.60% · Tier avg: 83.06%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 25.98% · Tier avg: 21.05%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.70% · Tier avg: 10.24%