Capital Bank, National Association: how it compares with its peers
Against 428 U.S. banks with half to twice its assets, Capital Bank, National Association's strongest measure in Q2 2026 is net interest margin (5.64% vs. a 3.67% peer median). Its weakest relative measure is efficiency ratio (68.59% vs. 57.91%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.24% | 1.28% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.64% | 3.67% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.59% | 57.91% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.5M | $9.3M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.96% | 88.61% | Context |
What it means for lending operations
Its efficiency ratio of 68.59% is above the 57.91% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Independence Bank of Kentucky Owensboro, KY · $3.83B
- Investar Bank, National Association Baton Rouge, LA · $3.85B
- Bank of Marin Novato, CA · $3.86B
- Gulf Coast Bank and Trust Company New Orleans, LA · $3.86B
- Security Bank of Kansas City Kansas City, KS · $3.86B
- Bravera Bank Dickinson, ND · $3.81B
Questions about Capital Bank, National Association
How big is Capital Bank, National Association?
Capital Bank, National Association, established in 1999, is headquartered in Rockville, MD. It reported $3.84B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Capital Bank, National Association's return on assets?
1.24% annualized in Q2 2026, against a 1.28% median for 428 U.S. banks with half to twice its assets, ahead of 46% of them.
What is Capital Bank, National Association's efficiency ratio?
68.59% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 57.91%, and lower is better.
Is Capital Bank, National Association growing its loans?
Net loans grew 13.1% over the year to Q2 2026, while deposits grew 14.8%.
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 Maryland bank ranked.