National Capital Bank
National Capital Bank is a 137-year-old community bank headquartered in Washington, D.C., offering business and personal banking, SBA lending, treasury management, mortgages, and wealth management to SMBs, consumers, and government contractors across the Greater Washington metropolitan area through four branches and digital channels.
- Company typePrivate
- Founded1889
- HeadquartersWashington, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What National Capital Bank does
National Capital Bank (NCB), founded in 1889 and headquartered at 316 Pennsylvania Avenue SE on Capitol Hill in Washington, D.C., is the oldest full-service community bank in the District, operating through four branches across D.C., Arlington (VA), and Bethesda (MD). The bank serves a diversified base of small-to-medium businesses, individual consumers, government contractors, real estate developers, nonprofits, and high-net-worth clients in the Greater Washington metropolitan area through two primary lines: Business Banking (commercial loans, construction finance, equipment leasing, SBA 7(a) and 504 loans, and treasury management services) and Personal Banking (checking, savings, mortgages, home equity, and credit cards). Wealth management is delivered through the National Capital Financial Group sub-brand in partnership with Cetera Advisor Networks.
The bank's technology stack centers on a community-banking core platform with integrated consumer and business eBanking, mobile apps (NCB Consumer and NCB Business) supporting mobile deposit, Zelle P2P payments, Positive Pay fraud detection, and treasury management. Distribution is augmented through channel partnerships: TCM Bank issues NCB-branded credit cards, Hartland provides merchant processing and payroll, IntraFi Network Deposits offers multi-million-dollar FDIC insurance, and Apple Pay, Google Pay, and Samsung Pay extend wallet reach. No proprietary AI/ML capabilities are evident; financial management tools rely on the third-party MX platform.
NCB generates revenue primarily through net interest income (spread between loans and deposits), supplemented by treasury management fees, credit card interchange, wealth management advisory commissions (via Cetera), and traditional service charges. Account pricing is tiered across eChecking, Silver (55+), Platinum ($15K+ relationship), Commercial analysis-based, and Small Business subscription tiers, with SBA lending offering multi-year contracts. As of Q1 2026, the bank held $735.3 million in total assets and reported $1.05 million in net income (down 37% year-over-year), with non-performing loans at 2.24% of total loans. National Capital Bancorp announced a $97.8 million merger of equals with ODNB Financial Corporation in June 2026 (expected close Q4 2026), projecting a combined $2.4 billion-asset, 10-branch entity across D.C., Maryland, Pennsylvania, Florida, and Virginia, with planned Nasdaq/NYSE listing under ticker NACB.
National Capital Bank firmographics
Firmographics- Name
- National Capital Bank
- Legal name
- National Capital Bancorp, Inc.
- Website
- https://nationalcapitalbank.bank
- Company type
- Private
- Founded year
- 1889
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- National Capital Bank is a 137-year-old community bank headquartered in Washington, D.C., offering business and personal banking, SBA lending, treasury management, mortgages, and wealth management to SMBs, consumers, and government contractors across the Greater Washington metropolitan area through four branches and digital channels.
- Ownership category
- akta.pro rank
National Capital Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021), State Commercial Banks (6022), Commercial Banks, Nec (6029)
- akta.pro primary industry
- Real Estate (Commercial Property, REITs) (FSABACAH)
- akta.pro secondary industry
- Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)
Keywords
Where National Capital Bank is headquartered
LocationHeadquarters
- HQ city
- Washington
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
National Capital Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales
Revenue model
- Net Interest Income: Primary revenue driver from spread between interest earned on loans (commercial real estate, construction, SBA, residential mortgages, home equity) and interest paid on deposits (checking, savings, money market, CDs). Core banking margin business.
- Treasury Management Fees: Fee income from treasury management services including information services, deposit services, disbursement services, and cash management. Includes ACH origination, wire transfers, positive pay, lockbox, and remote deposit capture services.
- Credit Card Income: Revenue from credit card programs offered in partnership with TCM Bank for business and consumer accounts, including interchange fees and annual/specialty card programs.
- Wealth Management Revenue: Fee and commission income from investment advisory and securities services through Cetera Advisor Networks LLC, offered via National Capital Financial Group division.
- Service Charges and Fees: Account maintenance fees, ATM fees, wire transfer fees, overdraft fees, and other traditional banking service charges across personal and business accounts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | eChecking - Digital-first personal checking with no balance minimums |
| Subscription | Monthly | Silver Checking - Account for customers 55+ with waived fees |
| Subscription | Monthly | Platinum Banking - Premium checking for high-balance customers |
| Hybrid | Monthly | Commercial Checking - High-volume business account |
| Subscription | Monthly | Small Business Checking - Cost-effective for smaller businesses |
| Other | Multi-year contract | SBA 7(a) Loans - Government-backed small business loans |
| Other | Multi-year contract | SBA 504 Loans - Commercial real estate and equipment financing |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels6 records
National Capital Bank product offering
Product offeringCore offering
National Capital Bank (NCB) is a Washington, D.C.-based community bank founded in 1889 that provides personal and commercial banking products, including deposit accounts (checking, savings, money market, CDs), consumer and commercial loans (residential mortgages, home equity lines, commercial real estate, construction, equipment leasing, SBA 7(a)/504), treasury management services, and wealth management/advisory services through its National Capital Financial Group division.
Product overview
National Capital Bank is a community bank offering a comprehensive suite of banking products and services through a unified multi-channel platform. The portfolio consists of two primary business lines: Business Banking (including Commercial Financing Solutions, Construction Finance, Equipment Leasing, SBA Loans, and Treasury Management Services) and Personal Banking (including Checking, Savings, Mortgage, and Wealth Management). Treasury Management Services operates as an integrated platform sub-brand encompassing Information Services, Deposit Services, Disbursement Services, and Cash Management Services. Consumer and business products share common infrastructure including Mobile Banking, eBanking, Zelle payments, Visa Debit/Credit Cards, and Positive Pay fraud protection. Wealth management services are delivered through the National Capital Financial Group sub-brand in partnership with Cetera Advisor Networks.
Differentiator
Problem solved
Functional benefit
Brands
- National Capital Financial Group: Wealth management division of National Capital Bank offering financial planning and investment strategy services.
Products and services
- eChecking A fully digital personal checking account designed for customers who prefer mobile and online banking, with no monthly maintenance fee.
- Personal Checking Standard personal checking account for everyday banking needs, with monthly maintenance fees waived under common conditions.
- Interest Checking Interest-bearing personal checking account that pays interest on collected balances.
- Next Gen Checking Personal checking account targeted at teens and young adults to help them begin their banking relationship.
- Silver Checking Personal checking account designed for customers aged 55 and over.
- Platinum Banking Premium relationship banking package combining enhanced checking with additional banking benefits for high-balance personal customers.
- Personal Savings Standard personal savings account for individuals to hold funds and earn interest.
- Capital Kid's Club Savings Savings account designed for children and youth, with educational and custodial features.
- Premium Money Market (Personal) Tiered personal money market account paying higher interest rates at higher balance tiers.
- Personal Certificates of Deposit Fixed-term personal CDs offered across multiple maturity terms with locked-in interest rates.
- NCB Visa Debit Card Visa debit card issued to NCB personal deposit account customers for point-of-sale and ATM transactions, with Apple Pay, Google Pay, and Samsung Pay support.
- Residential Mortgages First-lien mortgage loans for owner-occupied residential properties in the Washington, D.C. metro area, originated and serviced by the bank's mortgage lending team.
- Home Equity Lines of Credit Revolving home equity lines of credit secured by the borrower's primary residence for personal borrowing needs.
- National Capital Financial Group (Wealth Management) Wealth management and investment advisory division providing financial planning, retirement, and investment services through Cetera Advisor Networks, staffed by CERTIFIED FINANCIAL PLANNER™ professionals.
- Commercial Checking Business checking account for commercial customers with higher transaction volumes and treasury management needs.
- Small Business Checking Small business checking account targeted at lower-volume business customers.
- Business Savings Business savings account for commercial customers to hold reserves and earn interest.
- Premium Money Market (Business) Tiered business money market account with higher rates at higher collected balance tiers.
- Business Certificates of Deposit Fixed-term business CDs offered across multiple maturity terms for commercial deposit customers.
- Commercial Real Estate Loans Loans secured by commercial real estate, with a particular focus on multifamily housing in the Washington, D.C. market.
- Commercial and Industrial Loans Working capital, term, and line-of-credit loans for operating businesses across industries.
- Construction Finance Construction and development lending for residential and commercial projects, including investor-owned construction and small contractor financing.
- Equipment Leasing Equipment financing and leasing solutions for businesses acquiring capital equipment.
- SBA 7(a) Loans U.S. Small Business Administration 7(a) loans for small businesses, supporting working capital, refinancing, and growth.
- SBA 504 Loans U.S. Small Business Administration 504 loans for owner-occupied commercial real estate and equipment financing.
- Treasury Management Services End-to-end business cash management platform combining business eBanking, mobile banking, Positive Pay fraud protection, ACH, remote deposit capture, lockbox, merchant card processing, online wire transfers, and zero balance account functionality for commercial customers.
Quantifiable outcome
- 53% earnings-per-share accretion by 2027 from merger
- +3 more outcomes
Companies that use National Capital Bank
Customer profileNamed customers10 records
Segments7 records
Ideal customer profiles5 records
National Capital Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
Feature4 records
National Capital Bank partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and supporting.
- Old Dominion National Bank (ODNB Financial Corporation)coreMerger of equals creating a $2.4 billion-asset community bank. ODNB surviving as holding company while adopting NACB name. The uniquely structured deal preserves National Capital's 137-year charter. Old Dominion shareholders receive approximately 65-68% of combined entity. Deal expected Q4 2026 with Mark Merrill (ODNB CEO) leading merged organization.
- HartlandcoreMerchant card processing partner providing point-of-sale systems, payment processing, and payroll services to NCB business customers. Hartland enables businesses to accept credit cards, gift cards, mobile payments, and provides HR/payroll solutions.
- TCM Bank, N.A.coreTCM Bank, a subsidiary of ICBA (Independent Community Bankers of America), issues credit cards under NCB branding for business (including nonprofit and corporate), nonprofit organizations, and individual consumers. Cards include rewards programs, chip security, and fraud monitoring.
- Cetera Advisor Networks LLCcoreFINRA/SIPC member broker-dealer providing securities and advisory services through National Capital Financial Group. Registered representatives offer investment advisory, financial planning, and securities products at NCB's Capitol Hill location.
- IntraFi Network LLCsupportingIntraFi Network Deposits (formerly ICS/CDARS) enables NCB to offer multi-million dollar FDIC insurance coverage for large deposits through money market or CD accounts, providing protection beyond standard $250,000 limits.
- National Links TrustsupportingNonprofit partnership supporting public golf facility preservation in Washington D.C. NCB provides banking services and community support for National Links Trust's mission.
- Capitol Hill Community FoundationsupportingNCB has been integral banking partner for the Capitol Hill Community Foundation since its inception over three decades ago, providing financial services and community support.
Scale indicators16 records
Recent moves6 records
Expansion highlights4 records
National Capital Bank competitors and assessment
Company assessmentDirect peers
- FVCBankcorp: Fairfax, VA-based community bank serving Northern Virginia's SMB and commercial clients. Closely comparable geographic focus (Arlington/Fairfax corridor) and commercial banking emphasis; subsequently acquired by Eagle Bancorp, showing ongoing consolidation pressure in NCB's market.
- Old Dominion National Bank: Tysons, VA-based community bank and National Capital Bank's announced merger of equals partner. Operates commercial and personal banking across Northern Virginia; combining creates the $2.4B-asset peer benchmark against which NCB will be measured going forward.
- Burke & Herbert Financial Services Corp: Alexandria, VA-based community bank with deep Northern Virginia roots and similar personal/business banking focus. Comparable in scale and customer profile; recent NYSE listing provides a recent public-market benchmark relevant to NCB's planned NACB listing.
- Atlantic Union Bankshares: Richmond, VA-headquartered regional bank with significant D.C. metro commercial banking presence. Comparable on commercial lending, treasury management, and wealth services; materially larger, illustrating the scale gap NCB's merger aims to close.
- Eagle Bancorp: Bethesda, MD-based community bank serving the greater Washington D.C. metro with commercial lending, treasury management, and wealth services. Closest geographic and product-market overlap with NCB; recently merged with Sandy Spring Bancorp, illustrating the regional consolidation trend NCB itself is following.
- Capital Bancorp: Rockville, MD-based community bank focused on commercial and small-business lending in the D.C. metro. Direct comparable on customer mix (SMBs, professionals, government contractors) and product offering.
- Sandy Spring Bancorp: Olney, MD-based community bank holding company with comparable commercial, consumer, and wealth management lines across the DC-Maryland corridor. Direct comparable on scale (~combined entity size after merging with Eagle), business mix, and Mid-Atlantic footprint.
Regional players
- WesBanco: Wheeling, WV-based regional bank with Mid-Atlantic commercial and retail banking operations. Comparable on community-bank business model and product breadth, though footprint skews West Virginia/Ohio/Pennsylvania rather than DC/Virginia.
Broad incumbents
- Bank of America: National megabank with extensive D.C. metro consumer and small business presence. Competes for the same deposit and SMB customers NCB serves, but with vastly greater scale, technology investment, and product breadth — defining the incumbent threat to NCB's niche.
- Truist Financial Corporation: Charlotte, NC-based regional megabank with strong Washington D.C. and Mid-Atlantic presence in consumer, small business, and commercial banking. Comparable product breadth across all NCB segments, but at a scale NCB cannot match without inorganic moves.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
National Capital Bank social profiles
Digital presenceNational Capital Bank compliance and trust
Trust signalCompliance2 records
National Capital Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
National Capital Bank leadership team
Management profileNumber of profiles
Profiles1 record
National Capital Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
National Capital Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
National Capital Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about National Capital Bank
What does National Capital Bank do?
National Capital Bank (NCB) is a Washington, D.C.-based community bank founded in 1889 that provides personal and commercial banking products, including deposit accounts (checking, savings, money market, CDs), consumer and commercial loans (residential mortgages, home equity lines, commercial real estate, construction, equipment leasing, SBA 7(a)/504), treasury management services, and wealth management/advisory services through its National Capital Financial Group division.
Is National Capital Bank a public or private company?
National Capital Bank is a private company. It is classified as unknown and is currently operating.
When was National Capital Bank founded?
National Capital Bank was founded in 1889. It employs 51 to 100 people.
Where is National Capital Bank based?
National Capital Bank is headquartered in Washington, United States, in the North America region.
How does National Capital Bank make money?
Five revenue lines are on record. Net Interest Income is the primary driver. The others are treasury Management Fees, credit Card Income, wealth Management Revenue and service Charges and Fees.
Who are National Capital Bank's main competitors?
Direct peers on record are FVCBankcorp, Old Dominion National Bank, Burke & Herbert Financial Services Corp, Atlantic Union Bankshares, Eagle Bancorp, Capital Bancorp and Sandy Spring Bancorp. WesBanco is listed as a regional player. Broad incumbents are Bank of America and Truist Financial Corporation.
Does National Capital Bank have an API?
No public API is recorded for National Capital Bank.
What industry is National Capital Bank in?
National Capital Bank's product category is Community Banking. Its primary akta.pro industry code is FSABACAH, Real Estate (Commercial Property, REITs), with a secondary code of FSABADAE, Private Banking Lending (Securities-Backed, Real Estate, Structured Credit). Its NAICS code is 522110 and its SIC code is 6021.