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The National Capital Bank Of Washington

IDRSSD: 791821
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2026-Q1QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #791821 2026-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.68% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.27% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -3
92
Sub-score

Liquidity is strong: brokered 0.8%, loans/deposits 80.2%, cash 9.0% of assets.

Cash / Assets
9.00%
Loans / Deposits
80.15%
Brokered %
0.76%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.88%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.28%, CET1 16.28%, leverage 11.34%.

Tier 1 RBC
16.28%
CET1
16.28%
Leverage
11.34%
No watch items at this period.

Asset Quality

StableQoQ -5
71
Sub-score

Asset quality is stable: Adjusted NPL 2.27%, Texas Ratio 12.9%, NCO YTD 1.68%.

Adjusted NPL
2.27%
Govt-guarantees stripped
Texas Ratio
12.9%
NCO YTD
1.68%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.27% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.68% of loans.

Reserves

RiskQoQ 0
32
Sub-score

Reserves are weak: ALLL 1.16% of loans, coverage 51.6%, true coverage 51.6%.

ALLL / Loans
1.16%
Coverage
51.6%
True Loss Coverage
51.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 21:48:52 UTC