BlastPoint's Banking Scorecard
Capital Bank, National Association
Community
Specialty: Commercial
MD
FDIC cert 35278
Rockville, MD
1484
banks in Community tier nationally
13 in MD
View Community leaderboard (MD) →
Capital Bank, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 40% in Community
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.22% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.5B
+12.9% YoY
+6.6% QoQ
|
+$2.2B |
$1.4B
+2.0% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$2.9B
+13.0% YoY
+5.2% QoQ
|
+$1.9B |
$975.5M
+2.4% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$3.1B
+11.9% YoY
+5.8% QoQ
|
+$1.9B |
$1.2B
+1.7% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.51%
+23.3% YoY
+1.0% QoQ
|
+0.35% |
1.16%
+17.2% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
6.16%
-3.5% YoY
-0.7% QoQ
|
+2.50% |
3.66%
+9.1% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
64.13%
-5.4% YoY
-0.7% QoQ
|
+1.50% |
62.63%
-5.3% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
1.98%
+63.0% YoY
-4.0% QoQ
|
+1.35% |
0.63%
+18.3% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
93.00%
+0.9% YoY
-0.5% QoQ
|
+9.93% |
83.06%
+0.3% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
27.85%
-6.2% YoY
-7.2% QoQ
|
+6.80% |
21.05%
-0.9% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
1.72%
+74.0% YoY
-1.3% QoQ
|
+1.22% |
0.50%
+20.3% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
11.34%
-1.7% YoY
-3.0% QoQ
|
+1.09% |
10.24%
-0.6% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.87%
-7.0% YoY
+25.3% QoQ
|
+0.13% |
0.74%
-1.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#61 of 150 · Top 40% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
27.85%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
6.16%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
1.72%
(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
98
98th pctile
Net Interest Margin
Current: 6.16% · Tier avg: 3.66%
97
97th pctile
Total Loans
Current: $2.9B · Tier avg: $975.5M
96
96th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B
95
95th pctile
Total Assets
Current: $3.5B · Tier avg: $1.4B
82
82th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.74%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.85% · Tier avg: 21.05%
74
74th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.16%
44
44th pctile
Efficiency Ratio
Current: 64.13% · Tier avg: 62.63%
39
39th pctile
Tier 1 Capital Ratio
Current: 11.34% · Tier avg: 10.24%
27
27th pctile
Loan-to-Deposit Ratio
Current: 93.00% · Tier avg: 83.06%
10
10th pctile
Delinquency Rate
Current: 1.98% · Tier avg: 0.63%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.72% · Tier avg: 0.50%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.72% · Tier avg: 0.50%
10
10th pctile
Delinquency Rate
Current: 1.98% · Tier avg: 0.63%
27
27th pctile
Loan-to-Deposit Ratio
Current: 93.00% · Tier avg: 83.06%
39
39th pctile
Tier 1 Capital Ratio
Current: 11.34% · Tier avg: 10.24%
44
44th pctile
Efficiency Ratio
Current: 64.13% · Tier avg: 62.63%
74
74th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.16%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.85% · Tier avg: 21.05%
82
82th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.74%
95
95th pctile
Total Assets
Current: $3.5B · Tier avg: $1.4B
96
96th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B
97
97th pctile
Total Loans
Current: $2.9B · Tier avg: $975.5M
98
98th pctile
Net Interest Margin
Current: 6.16% · Tier avg: 3.66%