Capital Bank, National Association
Rockville, Maryland, Montgomery County
$3.8B in total assets, the 356th largest of 4,309 US banks and 5th of 27 headquartered in Maryland.
- FDIC certificate
- 35278
- Established
- 1999
- Owned by
- Capital Bcorp Inc
- Primary regulator
- OCC
- Website
- http://www.capitalbankmd.com
At a glance
Compared with 9 banks headquartered in Maryland with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.8B | 56% | $2.1B | |
| Loans | $3.1B | 56% | $1.6B | |
| Deposits | $3.4B | 56% | $1.7B | |
| Return on assets | 1.39% | 78% | 1.19% | |
| Net interest margin | 5.64% | 98% | 3.77% | |
| Efficiency ratio | 68.6% | 67% | 61.0% | |
| Equity to assets | 9.11% | 11% | 10.98% | |
| Loans to deposits | 91% | 98% | 87% |
Growth
Total assets grew 12.6% a year over the last 5 years and 16.5% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2024 | West Town Bank & Trust North Riverside, IL | $518M |
| May 2013 | Pisgah Community Bank Asheville, NC | $22M |
| Jan 2012 | American Eagle Savings Bank Boothwyn, PA | $19M |
| Aug 2011 | Public Savings Bank Huntingdon Valley, PA | $47M |
Where they operate
8 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Montgomery County, MD | $2.4B | 4.5% | 8 of 29 |
| Cook County, IL | $276M | 0.1% | 61 of 90 |
| District Of Columbia County, DC | $216M | 0.4% | 21 of 34 |
| Fairfax County, VA | $202M | 0.2% | 26 of 38 |
| Howard County, MD | $199M | 2.1% | 11 of 17 |
| Wake County, NC | $58M | 0.1% | 27 of 36 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 4 branches since 2016 (4 to 8, +100.0%). 5 opened, 1 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2017 | Opened Columbia | 1 | 0 | +1 | 5 |
| 2018 | Opened Reston and Rockville | 2 | 0 | +2 | 7 |
| 2021 | Closed North Bethesda | 0 | 1 | −1 | 6 |
| 2024 | Acquired West Town Bank & TrustOpened Fort Lauderdale, closed Asheville | 2 | 1 | +1 | 7 |
| 2025 | Opened Raleigh | 1 | 0 | +1 | 8 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 31% | 41% | |
| Business (C&I) | 24% | 12% | |
| 1-4 family residential | 20% | 27% | |
| Construction and land | 12% | 8% | |
| Multifamily | 7% | 5% | |
| Consumer | 5% | 2% | |
| Other | 2% | 5% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 53% | 56% | |
| Noninterest-bearing | 27% | 17% | |
| Time deposits | 20% | 27% |
Brokered deposits are 6.8% of deposits (peers 9.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.74% | 1.32% |
| Net charge-offs, annualized | 0.45% | 0.04% |
| Reserves to loans | 1.75% | 1.03% |
| Leverage ratio | 8.97% | 11.29% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Maryland
Largest competitors in Montgomery County, MD
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/capital-bank-rockville-md