# NATIONAL CAPITAL BANK OF WA
WASHINGTON, DC · FDIC certificate 2093 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $742.2M | |
| Deposits | $659.2M | |
| Loans and leases | $503.9M | |
| Total equity | $80.7M | |
| Loans / deposits | 75.52% (p36 of band) | 82.04% |
| Liquid assets / assets | 28.70% (p61 of band) | |
| Uninsured deposits / deposits | 29.30% (p64 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.69% (p65 of band) | 10.81% |
| Unrealized securities loss / equity | -18.62% (p25 of band) | -8.10% |
| AOCI / equity | 0.38% (p90 of band) | |
| ROA (annualized) | 0.89% (p26 of band) | 1.28% |
| Net interest margin | 3.67% (p36 of band) | 3.91% |
| Efficiency ratio | 59.94% (p46 of band) | |
| Noncurrent loans | 2.32% (p91 of band) | 0.43% |
| Net charge-offs (annualized) | 0.64% (p98 of band) | |
| Reserve coverage of noncurrent | 52.12% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 62.14% (p66 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.3% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | capital falling, charge-offs p90 |  |
| 2014-06 | 3 | losing money | reserve under noncurrent |
| 2014-09 | 3 |  |  |
| 2014-12 | 5 | leverage <7%, noncurrent p90 |  |
| 2015-03 | 1 |  | capital falling, charge-offs p90, losing money, leverage <7% |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | reserve under noncurrent | noncurrent p90 |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | deposits shrinking |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 3 | capital falling, noncurrent p90 |  |
| 2026-03 | 4 | charge-offs p90 |  |
| 2026-06 | 3 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-06-28 [The National Capital Bank of Washington Now Serving Fox Hill Community in Maryland - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQM2tPQ3VVM28xa05RYURPWHc3czZCUDRfbEtDOWd5ejdab0FoblBLQnQyQmJGS19VZmdqei1BN0NXVVpteVRmNi1NVVV2dTZ4ZDZOSERBUW15S2gyb0lENUQyTUpjQ2pTTTZwcHhTWlBuNDVGVDZSM05PcEU0eEhlc3Z2c21odk1PVW42VXZMS0hQTzVld1RGcWpaQzJFRXNnVVBmek9Yc2RDZGpLa1EydHNlUDFNZVFPZFQyelpQamprNmJBUFg1ZWg0UVhJdTdsU2VXUg?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2093 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "2093", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide