Bank · FDIC insured
National Capital Bank
A $742.2M bank headquartered in Washington, DC, with 4 branches in 3 states. Best rates: CDs 3.65% and savings 0.25% APY.
National Capital Bank Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#98 of 105 in Washington, DC-VA-MD-WV metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About National Capital Bank
National Capital Bank has served its community since 1889, and its parent holding company announced a merger of equals with ODNB Financial Corporation in 2026.
- Headquarters
- 316 Pennsylvania Ave Se, Washington, DC 20003
- FDIC certificate
- 2093 ↗
Branches
4 branches in 3 states
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District of Columbia
2 branches
- The National Capital Bank of WashingtonMain office316 Pennsylvania Ave Se, Washington, DC 20003Directions
- Friendship Heights Branch5228 44th St Nw, Washington, DC 20015Directions
Maryland
1 branch
- Fox Hill Branch8300 Burdette Rd, Bethesda, MD 20817Directions
Virginia
1 branch
- Courthouse Branch2505 Wilson Blvd, Arlington, VA 22201Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.69% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.32% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.89% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $76 | $81 | — |
- CapitalLeverage ratio11.69%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.32%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.89%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$76Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of National Capital Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.