The National Capital Bank of Washington

Headquarters

316 Pennsylvania Avenue, S.E.
Washington, DC 20003
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.40% →
1-Year CD 0.15% 1.15% →
2-Year CD 0.20% 1.26% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

The National Capital Bank of Washington is an FDIC insured institution located in Washington, DC. It was founded in 1889 and has approximately $0.52 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 2093
Date Established 1889
Assets $ 523.31 million
Loans $ 379.75 million
Deposits $ 447.47 million
Capital $ 48.87 million
 

For a more detailed analysis of The National Capital Bank of Washington's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 6, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $100 - Learn More
Money Market
0.05% $2,500 $24,999 Learn More
Money Market
0.10% $25,000 $124,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.10% $1,000 - Learn More
6 Mo CD
0.10% $1,000 - Learn More
12 Mo CD
0.15% $1,000 - Learn More
24 Mo CD
0.20% $1,000 - Learn More
30 Mo CD
0.20% $1,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $100 - Learn MoreShow Less

Loan Rates - July 6, 2020

Your Current Location: Virginia, VA 20146

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

The National Capital Bank of Washington branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


The National Capital Bank of Washington Locations


Financial Details

The National Capital Bank of Washington Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The National Capital Bank of Washington. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The National Capital Bank of Washington U.S. Bank Average
0.45% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, The National Capital Bank of Washington had $237,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $48,873,000 in equity and $4,097,000 in loans loss reserves. That gives it a Texas Ratio of 0.45%.

Return on Equity
The National Capital Bank of Washington U.S. Bank Average
5.45% 9.41%

The National Capital Bank of Washington has a Return on Equity of 5.45% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The National Capital Bank of Washington U.S. Bank Average
9.34% 12.82%

The National Capital Bank of Washington has a Capitalization of 9.34% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The National Capital Bank of Washington Balance Sheet Analysis

As of December 31, 2019, The National Capital Bank of Washington had assets of $523,311,000, loans of $379,748,000, and deposits of $447,469,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 20.44 million
Interest-bearing balances $ 16.79 million
Total securities $ 99.27 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 379.75 million
Loan loss allowance $ 4.10 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 17.64 million
     Total Assets $ 474.44 million
LIABILITIES
Total deposits $ 447.47 million
      Interest-bearing deposits $ 316.81 million
      Deposits held in domestic offices $ 447.47 million
      % insured (estimated) 65.06%
Federal funds purchased and repurchase agreements $ 4.11 million
Trading liabilities N.A.
Other borrowed funds $ 20.00 million
Subordinated debt N.A.
All other liabilities $ 2.86 million
      Total Liabilities $ 474.44 million
      Shareholders’ Equity $ 48.87 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 19.27 million
Total Interest Expense $ 2.69 million
Net interest income $ 16.58 million
Provision for loan and lease losses $ 0.27 million
Total non interest income $ 1.91 million
Total non interest expense $ 14.80 million
Pre-tax Net Operating Income $ 3.42 million

Bank Loan Profile?

The top three loan types in The National Capital Bank of Washington’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in District Of Columbia, The National Capital Bank of Washington has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 46.32
Multifamily
Mortgages
8.41
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 5.57
Construction and Development Loans 6.05
Commercial Real Estate 32.11
Commercial and Industrial Loans 7.91
Farm Loans 0.00

Frequently Asked Questions About The National Capital Bank Of Washington

Branches and Savings

Is The National Capital Bank Of Washington FDIC insured?

Yes. It is covered under FDIC Certificate #2093.

Why does The National Capital Bank Of Washington pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The National Capital Bank Of Washington CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The National Capital Bank Of Washington a commercial bank?

Yes

Where are The National Capital Bank Of Washington locations?

See branch locations nearby.

Is The National Capital Bank Of Washington open on Saturdays?

Is The National Capital Bank Of Washington open on Sundays?

What time does The National Capital Bank Of Washington open?

What time does The National Capital Bank Of Washington close?

Are The National Capital Bank Of Washington ATMs Open 24/7?

Do The National Capital Bank Of Washington ATMs accept cash deposits?

Can The National Capital Bank Of Washington customers use other ATMs?

Do The National Capital Bank Of Washington branches have notaries?

Will The National Capital Bank Of Washington notarize my document?

What address for The National Capital Bank Of Washington should I put for incoming ACH transfers?

Will the The National Capital Bank Of Washington branch print checks?

Do The National Capital Bank Of Washington checks expire?

Does The National Capital Bank Of Washington require US citizenship to open account?

Can The National Capital Bank Of Washington close my account?

Does The National Capital Bank Of Washington Report to credit bureaus?

Does The National Capital Bank Of Washington Use Equifax?

What is The National Capital Bank Of Washington's ACH Routing Number?

What is The National Capital Bank Of Washington's SWIFT code?

Products

Does The National Capital Bank Of Washington offer mortgages?

Compare mortgage rates here.

Does The National Capital Bank Of Washington offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The National Capital Bank Of Washington offer personal loans?

Compare personal loan rates here.

Does The National Capital Bank Of Washington offer student loans?

Will The National Capital Bank Of Washington cash a check?

Will The National Capital Bank Of Washington redeem a savings bond?

Does The National Capital Bank Of Washington cash savings bonds?

Will The National Capital Bank Of Washington cash money orders?

Can The National Capital Bank Of Washington issue a money order?

Does The National Capital Bank Of Washington do currency exchange?

Background on The Bank

Who owns The National Capital Bank Of Washington?

How long has The National Capital Bank Of Washington been around?

Can The National Capital Bank Of Washington transfer to other banks?

Does The National Capital Bank Of Washington have quick pay?

Does The National Capital Bank Of Washington accept rolled coins?

Will The National Capital Bank Of Washington accept loose change?

Where is The National Capital Bank Of Washington headquarters?

Customer Reviews for The National Capital Bank of Washington

There are currently no comments for The National Capital Bank of Washington. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →