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Capital Bank, National Association
Rockville, MD · National bank · Part of Capital Bcorp Inc
- Total assets
- $3.84B
- Q2 2026
- Deposits
- $3.39B
- Net income
- $23.08M
- first half of 2026
- Return on assets
- 1.24%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 35278
- Main office
- Rockville, MD
- Holding company
- Capital Bcorp Inc
- Charter
- National bank
- Primary federal regulator
- Office of the Comptroller of the Currency (OCC)
- Established
- 12/14/1999
- FDIC insured since
- 12/14/1999
- U.S. offices
- 8
- Employees (full-time equivalent)
- 405
- Specialty
- Commercial Lending Specialization
- Website
- www.capitalbankmd.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.84B | $3.76B | $3.55B | $3.33B | $3.33B | $3.28B | $3.14B | $2.5B |
| Deposits | $3.39B | $3.31B | $3.11B | $2.94B | $2.95B | $2.9B | $2.77B | $2.19B |
| Net loans and leases | $3.02B | $2.95B | $2.89B | $2.74B | $2.67B | $2.62B | $2.56B | $2.05B |
| Securities | $219.9M | $230.5M | $230.1M | $232.6M | $228.9M | $213.5M | $223.6M | $208.7M |
| Equity capital | $349.5M | $340.1M | $334.8M | $324.5M | $315.2M | $307.1M | $292.2M | $228M |
| Net income (year to date) | $23.08M | $10.6M | $50.21M | $36.67M | $23.8M | $12.21M | $30.57M | $22.41M |
| Return on assets | 1.24% | 1.16% | 1.51% | 1.49% | 1.46% | 1.52% | 1.22% | 1.28% |
| Return on equity | 13.52% | 12.56% | 15.95% | 15.78% | 15.62% | 16.29% | 12.91% | 13.41% |
| Net interest margin | 5.64% | 5.64% | 6.16% | 6.21% | 6.02% | 5.99% | 6.38% | 6.46% |
| Efficiency ratio | 68.6% | 70.3% | 64.1% | 64.6% | 66.0% | 66.0% | 67.8% | 68.9% |
| Noncurrent loans | 2.09% | 1.97% | 1.98% | 2.07% | 1.38% | 1.67% | 1.22% | 0.79% |
| Net charge-off rate | 0.45% | 0.40% | 0.45% | 0.49% | 0.57% | 0.37% | 0.43% | 0.45% |
| Leverage (core capital) ratio | 8.97% | 9.00% | 9.24% | 9.34% | 9.39% | 9.33% | 9.17% | 9.84% |
| Total risk-based capital ratio | 12.60% | 12.52% | 12.60% | 12.95% | 13.13% | 12.93% | 12.79% | 13.76% |
Assets grew 15.3% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$2.14B71.0%
- Commercial and industrial loans$730.8M24.2%
- Consumer loans$144.7M4.8%
Find bank branches in Maryland · Employees: 405
Frequently asked questions
- What is Capital Bank, National Association's FDIC certificate number?
- Capital Bank, National Association's FDIC certificate number is 35278.
- How big is Capital Bank, National Association?
- Capital Bank, National Association reported total assets of $3.84B and deposits of $3.39B as of Q2 2026.
- Is Capital Bank, National Association FDIC insured?
- Yes. Capital Bank, National Association has been insured by the FDIC since 12/14/1999. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026