The National Capital Bank of Washington: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, The National Capital Bank of Washington's strongest measure in Q2 2026 is assets per employee ($11.6M vs. a $7.3M peer median). Its weakest relative measure is return on assets (0.89% vs. 1.26%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.89% | 1.26% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.67% | 3.88% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.94% | 61.38% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.6M | $7.3M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.52% | 83.34% | Context |
What it means for lending operations
Its efficiency ratio of 59.94% is better than the 61.38% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Oconee State Bank Watkinsville, GA · $744M
- Bank of Prairie du Sac Prairie Du Sac, WI · $745M
- FM Bank Waseca, MN · $738M
- Lea County State Bank Hobbs, NM · $738M
- Manufacturers Bank & Trust Company Forest City, IA · $738M
- Kleberg Bank, N.A. Kingsville, TX · $737M
Questions about The National Capital Bank of Washington
How big is The National Capital Bank of Washington?
The National Capital Bank of Washington, established in 1889, is headquartered in Washington, DC. It reported $742M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The National Capital Bank of Washington's return on assets?
0.89% annualized in Q2 2026, against a 1.26% median for 999 U.S. banks with half to twice its assets, ahead of 27% of them.
What is The National Capital Bank of Washington's efficiency ratio?
59.94% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 61.38%, and lower is better.
Is The National Capital Bank of Washington growing its loans?
Net loans shrank 1.1% over the year to Q2 2026, while deposits grew 7.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every District of Columbia bank ranked.