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CAPITAL BANK, NATIONAL ASSOCIATION

ROCKVILLE, MD · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1999FDIC #35,278
Outstanding Same

Current rating · Exam: April 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.16%

Institution Profile

FDIC BankFind

Address

2275 Research Blvd, ROCKVILLE, MD

County

Montgomery County

Established

December 14, 1999

Total Assets

$3.8B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

April 30, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Apr 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.8B

Total Deposits

$3.3B

Net Loans

$3.0B

Net Income

$11M

ROA

1.16%

Above avg for Community banks. Peer avg: 0.90%

ROE

12.56%

Risk-Based Capital

12.52%

Below avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.16%Peer avg: 0.90%▲ Above avg
Risk-Based Capital12.52%Peer avg: 12.91%▼ Below avg
Mortgage Denial Rate3.92%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$3.0B

1-Year Change

+3

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202391866.23%3.92%
20221,12069.64%4.20%
20213,52076.59%2.41%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam DateRatingExam Type
Apr 2024OutstandingIntermediate Small Bank
Mar 2021OutstandingIntermediate Small Bank
Dec 2017SatisfactoryIntermediate Small Bank

3 previous ratings locked — back to 2003

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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